STATE BANK OF BELLINGHAM

BELLINGHAM, MN | Micro | Est. March 9, 1942, midnight | FDIC #17062 | RSSD #272058 | FDIC
Latest Report: 2025-12-31

STATE BANK OF BELLINGHAM is amn micro FDIC-insured commercial bank headquartered in BELLINGHAM, MN, established in March 9, 1942, midnight. As of 2025-12-31, the bank reported total assets of $50M and total deposits of $41M. Profitability stands at 0.20% ROA and 1.93% ROE, with a net interest margin of 2.19%. The bank's CET1 capital ratio is 21.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.22%. FDIC Certificate #17062.

Assets

$50M

Deposits

$41M

Loans

$25M

Equity

$5M

Profitability

Return on Assets (ROA) 0.20%
Return on Equity (ROE) 1.93%
Net Interest Margin (NIM) 2.19%
Yield on Assets 5.13%
Cost of Funds 3.37%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio --
Texas Ratio 0.22%
NPA Ratio 0.02%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 21.81%
Tier 1 Capital 21.81%
Total Capital Ratio 22.71%
Leverage Ratio 14.29%
Loan-to-Deposit 61.15%

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