WORTHINGTON FEDERAL SAVINGS BANK, F.S.B.

WORTHINGTON, MN | Small | Est. May 3, 1935, midnight | FDIC #29426 | RSSD #258874 | OCC
Latest Report: 2025-12-31

WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. is asn small FDIC-insured commercial bank headquartered in WORTHINGTON, MN, established in May 3, 1935, midnight. As of 2025-12-31, the bank reported total assets of $133M and total deposits of $108M. Profitability stands at 0.20% ROA and 1.36% ROE, with a net interest margin of 3.02%. The bank's CET1 capital ratio is 31.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.15%. FDIC Certificate #29426.

Assets

$133M

Deposits

$108M

Loans

$89M

Equity

$19M

Profitability

Return on Assets (ROA) 0.20%
Return on Equity (ROE) 1.36%
Net Interest Margin (NIM) 3.02%
Yield on Assets 5.15%
Cost of Funds 2.31%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio --
Texas Ratio 1.15%
NPA Ratio 0.17%
ACL / Loans 0.58%

Capital & Liquidity

CET1 Ratio 31.81%
Tier 1 Capital 31.81%
Total Capital Ratio 32.65%
Leverage Ratio 14.76%
Loan-to-Deposit 82.40%

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