RED RIVER STATE BANK

HALSTAD, MN | Small | Est. Jan. 1, 1934, midnight | FDIC #15820 | RSSD #1005655 | FDIC
Latest Report: 2025-12-31

RED RIVER STATE BANK is asn small FDIC-insured commercial bank headquartered in HALSTAD, MN, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $120M and total deposits of $103M. Profitability stands at -2.30% ROA and -16.21% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 13.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 12.11% and a Texas Ratio of 71.94%. FDIC Certificate #15820.

Assets

$120M

Deposits

$103M

Loans

$105M

Equity

$16M

Profitability

Return on Assets (ROA) -2.30%
Return on Equity (ROE) -16.21%
Net Interest Margin (NIM) 3.69%
Yield on Assets 5.35%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 12.11%
Net Charge-Off Ratio 0.73%
Texas Ratio 71.94%
NPA Ratio 10.56%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 13.24%
Tier 1 Capital 13.24%
Total Capital Ratio 13.90%
Leverage Ratio 13.42%
Loan-to-Deposit 101.66%

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