GRAND RAPIDS STATE BANK

Latest Report: 2025-12-31

GRAND RAPIDS STATE BANK is asn small FDIC-insured commercial bank headquartered in GRAND RAPIDS, MN, established in June 15, 1914, midnight. As of 2025-12-31, the bank reported total assets of $253M and total deposits of $227M. Profitability stands at 1.61% ROA and 18.04% ROE, with a net interest margin of 5.53%. The bank's CET1 capital ratio is 8.85%. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 7.75%. FDIC Certificate #10962.

Assets

$253M

Deposits

$227M

Loans

$145M

Equity

$23M

Profitability

Return on Assets (ROA) 1.61%

Return on Equity (ROE) 18.04%

Net Interest Margin (NIM) 5.53%

Yield on Assets 6.04%

Cost of Funds 0.53%

Asset Quality

NPL Ratio 0.09%

Net Charge-Off Ratio 2.16%

Texas Ratio 7.75%

NPA Ratio 0.73%

ACL / Loans 0.66%

Capital & Liquidity

CET1 Ratio 8.85%

Tier 1 Capital 8.85%

Total Capital Ratio 9.29%

Leverage Ratio 9.45%

Loan-to-Deposit 63.67%

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