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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

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$972K
Investor CRE$0
Multifamily$192K
Construction$0
1–4 family$2.53M
C&I$1.26M
Agriculture$5.3M
Other$330K

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$10.6M
−11.5%y/y
Percentile by value30th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSGR
Net loans
$10.4M
−11.7%y/y
Percentile by value30th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
Loans YoY
−11.69%
−673.0%y/y
Percentile by value9th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
L/D
27.0%
−14.1%y/y
Percentile by value11th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + DEP
Loans/assets
25.4%
−14.9%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + ASSET
RE loans %
68.19%
−0.3%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
5%
+3.0%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
0%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,191points
−4.2%y/y
Peer standing73rd percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
9.18%
+5.5%y/y
Percentile by value74th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNLSGR
Investor CRE %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROT + LNLSGR
C&I %
11.88%
−8.4%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNCI + LNLSGR