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FNB of Le Center

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FNB of Le Center Rates & Review October 2026

Q: How many branches does FNB of Le Center operate?

FNB of Le Center currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, FNB of Le Center 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Le Center provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

FNB of Le Center 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 2.96%, 6-month CD rates at 2.79% and 3-month CD rates at 2.59%. Savings rates are at 0.89% and money market rates are at 1.21%. Mortgage rates on 30-year fixed loans are around 7.38%. These rates come from our rate database, not FNB of Le Center, and you can see how they compare in the FNB of Le Center rate tables below. MonitorBankRates evaluates the financial stability of FNB of Le Center with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.86%. Database rates last updated and verified on 10/14/2026.

FNB of Le Center 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 FNB of Le Center? Share your experience about FNB of Le Center by leaving a review below, or read customer reviews before you decide to use FNB of Le Center.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.86%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

FNB of Le Center

701 Ash St Ne
Lonsdale, MN 55046

https://www.fnblecenter.com

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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 Availability

We're not currently displaying rates for FNB of Le Center, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

FNB of Le Center’s Texas Ratio rose from 12.16% in Q3 2023 to 13.86% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$178M	13.86%	5.0	A
March 31, 2026	$175M	10.32%	5.0	A
December 31, 2025	$178M	2.74%	5.0	A+
September 30, 2025	$174M	14.85%	5.0	A-
June 30, 2025	$165M	21.20%	4.5	B
March 31, 2025	$162M	4.48%	5.0	A+
December 31, 2024	$157M	1.93%	5.0	A+
September 30, 2024	$157M	3.47%	5.0	A+
June 30, 2024	$155M	20.49%	4.5	B
March 31, 2024	$160M	4.53%	5.0	A+
December 31, 2023	$166M	1.04%	5.0	A+
September 30, 2023	$152M	12.16%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB of Le Center 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 FNB of Le Center 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 FNB of Le Center's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Le Center

Bank Holding Company TRAXSHARES INC

Address 701 Ash St Ne, Lonsdale, MN 55046 · Rice

Website https://www.fnblecenter.com

FDIC Certificate # 5180

Established 19030101

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.86%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5673%

Return on Equity (ROE) 17.7900%

Non-Performing Loans (NPL) 1.27%

Total Assets $178,155,000

Total Deposits $139,565,000

Equity Capital $16,282,000

Net Income $1,389,000

Headquarters Lonsdale

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FNB of Le Center earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/the-first-national-bank-of-le-center-rates-review-5180">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About FNB of Le Center

How many branches does FNB of Le Center operate?

FNB of Le Center currently maintains approximately 2 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, FNB of Le Center 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, FNB of Le Center provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Le Center offer online and mobile banking?

Most modern institutions like FNB of Le Center 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.fnblecenter.com.