First State Bank of Fountain

Overview / Commentary

www.fsbfountain.com

888-801-7664

101 Main Street
Fountain, MN 55935

First State Bank of Fountain is headquartered in Fountain and is the 264^th largest bank in the state of Minnesota. It is also the 5,187^th largest bank in the nation. It was established in 1901 and as of December of 2018, it had grown to 6 employees at 1 location. First State Bank of Fountain's CD rates are 29% higher than the national average, and it has a B health rating.

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Health

Data as of Q4 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First State Bank of Fountain has a low asset base.

Health Grade Components

Overall
FDIC Certificate #	9349
Year Established	1901
Employees	6
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.1%
Return on Equity - YTD	1.07%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$33.4MM$34.5MM
Loans	Q4 2018vs Q4 2017	$16.2MM$16.1MM
Deposits	Q4 2018vs Q4 2017	$29.1MM$29.7MM
Equity Capital	Q4 2018vs Q4 2017	$3.3MM$3.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$183.00K$182.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$0$0
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD

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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 of Fountain Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	-	-	Holiday Savings
0.25%	-	-	Traditional Savings
0.25%	-	-	Next Generation Savings

First State Bank of Fountain Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.36%^*	$50k^*	-	Heritage Money Market Savings
OTHER TIERS: 0.25% → Up to $2.5k \| 0.27% → $2.5k - $10k \| 0.30% → $10k - $25k \| 0.33% → $25k - $50k

First State Bank of Fountain Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.24%	-	-	Heritage Plus Checking
0.24%^*	$1.5k^*	-	Generation 55 Checking
OTHER TIERS: 0.22% → $500 - $1.5k
0.24%^*	$2.5k^*	-	Heritage Business Checking
OTHER TIERS: 0.22% → Up to $2.5k
0.22%	-	-	Heritage Interest Checking

First State Bank of Fountain CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.96%	$300	-	60 Month CD
1.71%	$300	-	48 Month CD
1.51%	$300	-	36 Month CD
1.26%	$300	-	24 Month CD
1.26%	$300	-	30 Month CD
1.26%	-	-	21 Month Certificate Renewal
1.16%	$300	-	12 Month CD
1.16%	$300	-	18 Month CD
1.16%	-	-	15 Month Certificate Renewal
0.90%	$300	-	6 Month CD
0.85%	$300	-	3 Month CD

Locations

First State Bank of Fountain Locations
First State Bank Of Fountain	101 Main Street	Fountain, MN 55935

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