PRODUCE STATE BANK

HOLLANDALE, MN | Small | Est. Aug. 2, 1926, midnight | FDIC #10178 | RSSD #24659 | FDIC
Latest Report: 2025-12-31

PRODUCE STATE BANK is asn small FDIC-insured commercial bank headquartered in HOLLANDALE, MN, established in Aug. 2, 1926, midnight. As of 2025-12-31, the bank reported total assets of $114M and total deposits of $101M. Profitability stands at 1.35% ROA and 12.46% ROE, with a net interest margin of 4.65%. The bank's CET1 capital ratio is 20.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.30% and a Texas Ratio of 5.89%. FDIC Certificate #10178.

Assets

$114M

Deposits

$101M

Loans

$58M

Equity

$12M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 12.46%
Net Interest Margin (NIM) 4.65%
Yield on Assets 5.45%
Cost of Funds 0.83%

Asset Quality

NPL Ratio 1.30%
Net Charge-Off Ratio -0.01%
Texas Ratio 5.89%
NPA Ratio 0.66%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 20.02%
Tier 1 Capital 20.02%
Total Capital Ratio 21.09%
Leverage Ratio 10.09%
Loan-to-Deposit 57.16%

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