First State Bank of Fountain

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

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

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.fsbfountain.com

888-801-7664

101 Main Street
Fountain, MN 55935-0083

First State Bank of Fountain is headquartered in FOUNTAIN and is the 224^th largest bank in the state of Minnesota. It is also the 4,311^th largest bank in the nation. It was established in 1901 and as of March of 2025, it had grown to 5 employees at 1 location. First State Bank of Fountain's money market rates are 70% higher than the national average, and it has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

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	5
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.09%
Return on Equity - YTD	-1.98%
Annual Interest Income	$329K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$39.6MM$37.5MM
Loans	Q1 2025vs Q1 2024	$11.8MM$12MM
Deposits	Q1 2025vs Q1 2024	$37.5MM$35.7MM
Equity Capital	Q1 2025vs Q1 2024	$1.9MM$1.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$175K$175K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$20K$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

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

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

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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
0.50%	$0	-	Holiday Savings
0.35%	$0	-	Traditional Savings
0.35%	$0	-	Next Generation Savings

First State Bank of Fountain Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$50k^*	-	Heritage Money Market Savings
OTHER TIERS: 0.35% → $0 - $2.5k \| 0.45% → $2.5k - $10k \| 0.55% → $10k - $25k \| 0.65% → $25k - $50k

First State Bank of Fountain Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$0	-	Heritage Plus Checking
0.25%^*	$1.5k^*	-	Generation 55 Checking
OTHER TIERS: 0.20% → $500 - $1.5k
0.25%^*	$2.5k^*	-	Heritage Business Checking
OTHER TIERS: 0.20% → $0 - $2.5k
0.20%	$0	-	Heritage Interest Checking

First State Bank of Fountain CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.35%	$300	-	60 Month Certificate
2.10%	$300	-	48 Month Certificate
1.85%	$300	-	36 Month Certificate
1.60%	$300	-	24 Month Certificate
1.60%	$300	-	30 Month Certificate
1.40%	$300	-	12 Month Certificate
1.40%	$300	-	18 Month Certificate
1.00%	$300	-	6 Month Certificate
0.90%	$300	-	3 Month Certificate
0.64%	$0	-	21 Month Certificate Renewal
0.59%	$0	-	15 Month Certificate Renewal

Locations

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

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