WELCOME STATE BANK

WELCOME, MN | Micro | Est. Jan. 1, 1913, midnight | FDIC #11417 | RSSD #215653 | FED
Latest Report: 2025-12-31

WELCOME STATE BANK is amn micro FDIC-insured commercial bank headquartered in WELCOME, MN, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $44M and total deposits of $38M. Profitability stands at 1.40% ROA and 11.39% ROE, with a net interest margin of 5.15%. The bank's CET1 capital ratio is 12.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #11417.

Assets

$44M

Deposits

$38M

Loans

$29M

Equity

$5M

Profitability

Return on Assets (ROA) 1.40%
Return on Equity (ROE) 11.39%
Net Interest Margin (NIM) 5.15%
Yield on Assets 6.50%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.60%

Capital & Liquidity

CET1 Ratio 12.41%
Tier 1 Capital 12.41%
Total Capital Ratio 13.03%
Leverage Ratio 12.15%
Loan-to-Deposit 76.39%

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