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 First State Bank of Fountain Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 16, 2026
First State Bank of Fountain rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.91%, 6-month CD rates at 2.74% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not First State Bank of Fountain, and you can see how they compare in the First State Bank of Fountain rate tables below. MonitorBankRates evaluates the financial stability of First State Bank of Fountain with a 3.7 Star Rating, an B Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 10/16/2026. First State Bank of Fountain money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First State Bank of Fountain? Share your experience about First State Bank of Fountain by leaving a review below, or read customer reviews before you decide to use First State Bank of Fountain. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Current Rate AvailabilityWe're not currently displaying rates for First State Bank of Fountain, but our database is updated constantly, so check back soon for the latest offers. Are you with First State Bank of Fountain? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryFirst State Bank of Fountain’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.1 to 3.7 and its Health Grade from D to B. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First State Bank of Fountain is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First State Bank of Fountain rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First State Bank of Fountain's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
First State Bank of Fountain
Website
https://www.fsbfountain.com
Address
101 Main St,
Fountain, MN 55935 · Fillmore
FDIC Certificate #
9349
Regulator
FDIC
Established
January 1, 1901
FDIC Insurance Date
January 1, 1934
Domestic Offices
1
Total Branches
1
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.7 / 5.0 ★
Overall Health & Safety Grade
B (87/100)
Texas Ratio
0.00%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.2317%
Return on Equity (ROE)
4.0000%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
$41,028,000
Total Deposits
$38,591,000
Equity Capital
$2,335,000
Net Income
$47,000
Headquarters
Fountain
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About First State Bank of FountainHow many branches does First State Bank of Fountain operate?First State Bank of Fountain currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First State Bank of Fountain does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First State Bank of Fountain provides members with tools to manage their accounts and build a solid financial history. Does First State Bank of Fountain offer online and mobile banking?Most modern institutions like First State Bank of Fountain provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fsbfountain.com. Compare to Other Banks
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