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First Resource Bank
Lino Lakes, MN · FDIC Certificate #58039 · Chartered 06/2
Total assets
$1.08B
Total deposits
$893.25M
Total equity
$100.47M
Net loans
$781.30M
Branches (offices)
8
Net income (YTD)
$4.15M
Rank: #968 of 4,213 U.S. banks by assets · #15 of 221 in Minnesota. Assets changed 47.4% and deposits 48.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 10.08% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 9.26% |
| Tier 1 leverage ratio | 8.34% |
| Uninsured deposits (share of deposits) | 15.1% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.64% |
| Loans to deposits | 87.5% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $603.40M | 77.2% | |
| Commercial & industrial | $142.19M | 18.2% | |
| Consumer / individual | $8.89M | 1.1% | |
| Construction & development | $42.23M | 5.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $399.94M | $330.39M | $1.48M | $35.90M |
| Jun 2023 | $535.25M | $429.03M | $1.05M | $48.98M |
| Jun 2024 | $608.75M | $468.64M | $2.03M | $52.81M |
| Jun 2025 | $735.92M | $601.58M | $2.76M | $61.49M |
| Jun 2026 | $1.08B | $893.25M | $4.15M | $100.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $744.39M | 7 |
| Wisconsin | $148.86M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $893.25M.
Similar-sized banks
Amerasia Bank ($1.08B) · Mountainone Bank ($1.08B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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