🏦Bank Scorer

FIRST STATE BANK OF LE CENTER

LE CENTER, MN · Supervised by FDIC

Est. 1902FDIC #9,330RSSD: FDIC-9330
Part ofFIRST ST AGENCY OF LE CTR INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.81%

Institution Profile

FDIC BankFind

Address

88 N Park Ave, LE CENTER, MN

County

Le Sueur County

Established

January 1, 1902

Total Assets

$111M(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

June 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$111M

Total Deposits

$93M

Net Loans

$75M

Net Income

$509K

ROA

1.81%

ROE

17.29%

Risk-Based Capital

13.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$93M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244297.62%0.00%
202355100%0.00%
20194397.67%0.00%
201845100%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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