STATE BANK OF CHANDLER

CHANDLER, MN | Micro | Est. Jan. 1, 1902, midnight | FDIC #8858 | RSSD #112556 | FDIC
Latest Report: 2025-12-31

STATE BANK OF CHANDLER is amn micro FDIC-insured commercial bank headquartered in CHANDLER, MN, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $60M. Profitability stands at 1.20% ROA and 10.70% ROE, with a net interest margin of 4.24%. The bank's CET1 capital ratio is 15.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.27% and a Texas Ratio of 7.43%. FDIC Certificate #8858.

Assets

$70M

Deposits

$60M

Loans

$48M

Equity

$8M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 10.70%
Net Interest Margin (NIM) 4.24%
Yield on Assets 6.25%
Cost of Funds 2.87%

Asset Quality

NPL Ratio 1.27%
Net Charge-Off Ratio 0.09%
Texas Ratio 7.43%
NPA Ratio 0.87%
ACL / Loans 1.53%

Capital & Liquidity

CET1 Ratio 15.42%
Tier 1 Capital 15.42%
Total Capital Ratio 16.67%
Leverage Ratio 11.22%
Loan-to-Deposit 80.84%

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