RANDALL STATE BANK

RANDALL, MN | Micro | Est. April 8, 1908, midnight | FDIC #10969 | RSSD #172251 | FDIC
Latest Report: 2025-12-31

RANDALL STATE BANK is amn micro FDIC-insured commercial bank headquartered in RANDALL, MN, established in April 8, 1908, midnight. As of 2025-12-31, the bank reported total assets of $71M and total deposits of $59M. Profitability stands at -1.95% ROA and -15.28% ROE, with a net interest margin of -8.86%. The bank's CET1 capital ratio is 3.99%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 2.13% and a Texas Ratio of 9.07%. FDIC Certificate #10969.

Assets

$71M

Deposits

$59M

Loans

$55M

Equity

$12M

Profitability

Return on Assets (ROA) -1.95%
Return on Equity (ROE) -15.28%
Net Interest Margin (NIM) -8.86%
Yield on Assets -11.28%
Cost of Funds -3.80%

Asset Quality

NPL Ratio 2.13%
Net Charge-Off Ratio 0.10%
Texas Ratio 9.07%
NPA Ratio 1.66%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 3.99%
Tier 1 Capital 3.99%
Total Capital Ratio 4.19%
Leverage Ratio 10.34%
Loan-to-Deposit 94.23%

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