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BDI
FS

First State Bank of Fountain

Fountain, MinnesotaFDIC Cert #9349

STATEEstablished 19011 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.26%
Peer standing55th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + LNLSGR
Nonaccrual %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNAASSET + LNLSGR
Noncurrent %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.77%
Peer standing98th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNTLNLS + LNLSGR
NCO
−$22K
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.67%
+14.3%y/y
Percentile by value61st percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNATRES + LNLSGR
30–89
$28K
Peer standing55th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET
Nonaccrual
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNAASSET