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First State Bank
Buxton, ND · FDIC Certificate #15539 · Chartered 01/0
Total assets
$424.16M
Total deposits
$371.88M
Total equity
$41.20M
Net loans
$388.13M
Branches (offices)
5
Net income (YTD)
$4.32M
Rank: #1,981 of 4,213 U.S. banks by assets · #22 of 60 in North Dakota. Assets changed 7.4% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.08% |
| Return on equity | 21.49% |
| Net interest margin (YTD) | 4.08% |
| Equity to assets | 9.71% |
| Tier 1 leverage ratio | 9.83% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 104.4% |
| Real estate loans (share of loans) | 69.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $268.61M | 69.2% | |
| Commercial & industrial | $63.79M | 16.4% | |
| Consumer / individual | $2.63M | 0.7% | |
| Construction & development | $31.05M | 8.0% | |
| Agricultural | $57.37M | 14.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $326.85M | $274.47M | $1.85M | $31.63M |
| Jun 2023 | $343.83M | $286.18M | $1.94M | $33.25M |
| Jun 2024 | $372.90M | $311.85M | $1.84M | $36.32M |
| Jun 2025 | $395.05M | $349.29M | $3.05M | $39.93M |
| Jun 2026 | $424.16M | $371.88M | $4.32M | $41.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $371.88M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $371.88M.
Similar-sized banks
Sugar River Bank ($424.31M) · Heritage Bank Of The Ozarks ($423.97M)
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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