First Bank & Trust, National Association

First Bank & Trust, National Association is headquartered in Pipestone and is the 102^nd largest bank in the state of Minnesota. It is also the 3,516^st largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 27 employees at 2 locations. First Bank & Trust, National Association has a 5-star health rating.

First Bank & Trust, National Association Checking Account Rates

Data for Q1 2012

Institution Statistics First Bank & Trust, National Association FDIC Certificate # 5227 BankRate Report View Year Established 1889 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $170.93 million Loans $109.01 million Deposits $146.04 million Equity Capital $18.75 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $73,000 Real Estate Owned $1.29 million Historic Data - March 2011 Assets $160.41 million Equity Capital $18.01 million Loan Loss Allowance $1.92 million Unbacked Noncurrent Loans $2.02 million Real Estate Owned $450,000 Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 1.11% Return on Equity 10.59% Interest Income $1.89 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Bank & Trust, National Association had $1.36 million in non-current loans and owned real-estate with $20.2 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust, National Association a Texas Ratio of 6.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Bank & Trust, National Association decreased significantly from 12.40% as of March 31, 2011 to 6.74% as of March 31, 2012, resulting in a positive change of 45.62%.This indicates that the balance sheet and financial strength for First Bank & Trust, National Association has improved significantly in recent periods. Deposit Growth In the past year, First Bank & Trust, National Association has increased its total deposits by $6.15 million, resulting in 4.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Bank & Trust, National Association has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Bank & Trust, National Association has $170.93 million in assets with $20.2 million in equity, resulting in a capitalization level of 11.82%, which is above average.

No reviews have been left for this bank yet. Be the first to review.