First State Bank and Trust

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.70%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.15%	1-year CD	12-23 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Statement Savings 1.00% - Ally Bank Online Savings Account

View all First State Bank and Trust rates »

Overview / Commentary

www.fsbt.com

651-439-5195

950 North Highway 95
Bayport, MN 55003

First State Bank and Trust is headquartered in Bayport and is the 70^th largest bank in the state of Minnesota. It is also the 2,787^th largest bank in the nation. It was established in 1914 and as of June of 2016, it had grown to 64 employees at 7 locations. First State Bank and Trust has an A health rating.

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Health

A

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	10159
Year Established	1914
Employees	64
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.08%
Return on Equity - YTD	12.07%
Annual Interest Income	$4.2MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$220.6MM$210.7MM
Loans	Q2 2016vs Q2 2015	$150.8MM$145.4MM
Deposits	Q2 2016vs Q2 2015	$195.7MM$185.1MM
Equity Capital	Q2 2016vs Q2 2015	$20.3MM$18.5MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.5MM$1.6MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$100.00K$130.00K
Real Estate Owned	Q2 2016vs Q2 2015	$175.00K$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First State Bank and Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Statement Savings
0.05%	-	-	Super Kids Savings

First State Bank and Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$250k^*	-	Investors Money Market Plus
OTHER TIERS: 0.05% → Up to $25k \| 0.15% → $25k - $75k \| 0.25% → $75k - $250k

First State Bank and Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$50k^*	-	FIRST Class Checking
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k
0.05%	-	-	CroixClub Checking
0.05%	-	-	Business Checking with Interest

First State Bank and Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	-	-	60 Month CD
0.60%	-	-	33 Month CD Special
0.50%	-	-	48-59 Month CD
0.40%	-	-	15 Month CD Special
0.40%	-	-	36-47 Month CD
0.30%	-	-	24-35 Month CD
0.15%	-	-	12-23 Month CD
0.10%	-	-	6-11 Month CD
0.05%	-	-	3-5 Month CD

First State Bank and Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	12 Month IRA CD

Locations

First State Bank and Trust Locations
Stillwater Branch	125 New England Place	Stillwater, MN 55082
Oak Park Heights Branch	5891 Neal Avenue North	Oak Park Heights, MN 55082
First State Bank and Trust	950 North Highway 95	Bayport, MN 55003
First State Bank and Trust	219 2nd Street South	Hudson, WI 54016
Woodland Hill Branch	441 Stageline Road	Hudson, WI 54016