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First State Bank of Fountain


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
Bonus Amount
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 224th largest bank in the state of Minnesota. It is also the 4,311th 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
B

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 Established1901
Employees5
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.09%
Return on Equity - YTD-1.98%
Annual Interest Income$329K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$39.6MM$37.5MM
LoansQ1 2025vs Q1 2024$11.8MM$12MM
DepositsQ1 2025vs Q1 2024$37.5MM$35.7MM
Equity CapitalQ1 2025vs Q1 2024$1.9MM$1.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$175K$175K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$20K$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
Bonus Amount
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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-Holiday Savings
0.35%$0-Traditional Savings
0.35%$0-Next Generation Savings

First State Bank of Fountain Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Fountain101 Main StFountain, MN 55935

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