First State Bank and Trust

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 57^th largest bank in the state of Minnesota. It is also the 2,052^nd largest bank in the nation. It was established in 1914 and as of March of 2025, it had grown to 74 employees at 4 locations. First State Bank and Trust has a B+ health rating.

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Health

B+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	10159
Year Established	1914
Employees	74
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.55%
Return on Equity - YTD	19.05%
Annual Interest Income	$5.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$410.9MM$397.3MM
Loans	Q1 2025vs Q1 2024	$298.2MM$270.3MM
Deposits	Q1 2025vs Q1 2024	$372.7MM$364.8MM
Equity Capital	Q1 2025vs Q1 2024	$34.8MM$29.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.6MM$3.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$685K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for First State Bank and Trust are currently being reviewed.

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 Highway 95 N	Bayport, MN 55003
Woodland Hill Branch	441 Stageline Road	Hudson, WI 54016
Hudson, Wi Branch	680 Annabelle Way	Hudson, WI 54016

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