Overview / Commentary
101 Main Street
Fountain, MN 55935

First State Bank of Fountain is headquartered in Fountain and is the 268th largest bank in the state of Minnesota. It is also the 5,317th largest bank in the nation. It was established in 1901 and as of June of 2018, it had grown to 5 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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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

FDIC Certificate #9349
Year Established1901
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD1.04%
Annual Interest Income$511.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$33.7MM$35.9MM
LoansQ2 2018vs Q2 2017$16.9MM$16.7MM
DepositsQ2 2018vs Q2 2017$28.4MM$30.1MM
Equity CapitalQ2 2018vs Q2 2017$3.2MM$3.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$182.00K$183.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$16.00K$0
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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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

0.30%--Holiday Savings
0.25%--Traditional Savings
0.25%--Next Generation Savings

First State Bank of Fountain Money Market Rates

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

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

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

First State Bank of Fountain Locations
First State Bank Of Fountain101 Main StreetFountain, MN 55935

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