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First State Bank of Rosemount, The

Rosemount, MN · Cert 9769 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Higgins Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$146.1MAssets
$102.8MLoans
$138.4MDeposits
$6.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 28% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 39 of 53).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 53).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.34%

Rank 49 of 53

Net Interest Margin

2.98%

Rank 48 of 53

Efficiency Ratio

82.58%

Rank 51 of 53

Equity / Assets

4.71%

Rank 53 of 53

Non-interest income vs. expense

$0.5M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 6% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 82.58%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.34%0.73%1.11%1.30%Beats 8%49 / 53
Return on Equity7.27%7.88%12.20%14.12%Beats 21%42 / 53
Net Interest Margin2.98%3.39%3.77%4.09%Beats 9%48 / 53
Efficiency Ratio82.58%56.05%65.05%71.57%Beats 6%51 / 53
Asset Quality
Nonperforming Loans / Loans2.88%0.14%0.52%1.20%Beats 11%48 / 53
Net Charge-Offs / Loans0.07%0.00%0.01%0.08%Beats 28%39 / 53
Capital
Tier 1 Capital Ratio9.66%10.73%12.98%15.08%Beats 6%50 / 53
Total Risk-Based Capital Ratio10.89%11.49%13.79%16.34%Beats 15%45 / 53
Equity / Assets4.71%8.08%9.25%10.72%Beats 0%53 / 53
Liquidity & Funding
Loans / Deposits74.27%72.13%82.29%93.80%32nd pctl36 / 53
Loans / Assets70.38%63.64%71.80%79.37%42nd pctl31 / 53
Brokered Deposits / Depositsn/aNot reported for this institution