🏦Bank Scorer

FIRST STATE BANK OF FOUNTAIN

FOUNTAIN, MN · Supervised by FDIC

Est. 1901FDIC #9,349RSSD: FDIC-9349
Satisfactory Same

Current rating · Exam: December 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.11%

Is this bank safe?

FIRST STATE BANK OF FOUNTAIN holds a Satisfactory CRA rating (2020), meets basic financial requirements (ROA +0.11%).

Institution Profile

FDIC BankFind

Address

101 Main St, FOUNTAIN, MN

County

Fillmore County

Established

January 1, 1901

Total Assets

$41M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$41M

Total Deposits

$39M

Net Loans

$10M

Net Income

$11K

ROA

0.11%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.86%

Risk-Based Capital

17.25%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.11%Peer avg: 0.44%▼ Below avg
Risk-Based Capital17.25%Peer avg: 23.03%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$36M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Dec 2020SatisfactorySmall Bank
Jan 2015SatisfactorySmall Bank
Oct 2009SatisfactorySmall Bank

6 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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