RED RIVER STATE BANK
RED RIVER STATE BANK is an FDIC-insured commercial bank headquartered in HALSTAD, MN, established in 1934. As of , 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 3.44%. CET1 capital ratio: 13.46%, well above regulatory minimums. NPL ratio: 12.11% · Texas Ratio: 71.94%. Operates 2 domestic branches.
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring — not yet at the historical failure-risk threshold.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Red River State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.46% | -2.30% | 12.11% | 71.94% | 3.44% |
| 2025-09-30 | 14.45% | 1.28% | 7.95% | 44.89% | 4.56% |
| 2025-06-30 | 14.37% | 1.64% | 8.11% | 46.10% | 4.49% |
| 2025-03-31 | 12.91% | 1.54% | 8.17% | 48.25% | 4.24% |
| 2024-12-31 | 12.66% | -1.14% | 7.91% | 50.19% | 3.98% |
| 2024-09-30 | 18.92% | 1.05% | 8.96% | 56.00% | 4.16% |
| 2024-06-30 | 18.48% | 1.72% | 9.09% | 58.88% | 4.14% |
| 2024-03-31 | 17.92% | 1.83% | 9.02% | 60.24% | 4.16% |
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Frequently asked about RED RIVER STATE BANK
What are Red River State Bank's total assets?
As of the Q4 2025 filing, Red River State Bank reported total assets of $120.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Red River State Bank headquartered?
Red River State Bank is headquartered in HALSTAD, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Red River State Bank founded?
Red River State Bank was established in 1934, per the FDIC institution directory.
Is Red River State Bank FDIC-insured?
Yes. Red River State Bank is an FDIC-insured commercial bank (FDIC Certificate #15820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Red River State Bank?
Red River State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Red River State Bank's CET1 capital ratio?
Red River State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.46% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Red River State Bank operate?
Red River State Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Red River State Bank's Texas Ratio?
Red River State Bank's Texas Ratio is 71.94% — elevated — credit issues exceed half of the bank's capital cushion (50–100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.