First State Bank And Trust is a bank based in Bayport, Minnesota, established in 1914, with $471 million in total assets across 4 branches. By Trust Grade it ranks 152nd of 224 banks we track in Minnesota. Its capital ratio of 8.2% trails most similarly sized banks (18th percentile), versus a Minnesota median of 9.5%. It was profitable over the most recent period, with a 1.61% return on assets. No consumer complaints against First State Bank And Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First State Bank And Trust compares to Minnesota peers
How we graded First State Bank And Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.2% capital ratio)
- Strongly profitable (ROA 1.61%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First State Bank And Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 5891 Neal Ave N, Oak Park Heights, MN 55082
- 5590 Norwich Pkwy, Oak Park Heights, MN 55082
- 680 Annabelle Way, Hudson, WI 54016
- 950 Highway 95 N, Bayport, MN 55003
Are deposits at First State Bank And Trust insured?
Yes. First State Bank And Trust is an FDIC-insured bank (FDIC certificate #10159). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First State Bank And Trust: frequently asked questions
Is First State Bank And Trust a good bank?
First State Bank And Trust earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (8.2% capital ratio); Strongly profitable (ROA 1.61%).
Is First State Bank And Trust FDIC-insured?
Yes. First State Bank And Trust is a FDIC-insured bank (FDIC certificate #10159). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First State Bank And Trust?
First State Bank And Trust holds $471 million in total assets, ranking 152nd of 224 banks we track in Minnesota. It operates 4 branches.
Does First State Bank And Trust have CFPB complaints?
No CFPB complaints against First State Bank And Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
