ROOT RIVER STATE BANK

CHATFIELD, MN | Micro | Est. Nov. 25, 1856, midnight | FDIC #1098 | RSSD #309851 | FED
Latest Report: 2025-12-31

ROOT RIVER STATE BANK is amn micro FDIC-insured commercial bank headquartered in CHATFIELD, MN, established in Nov. 25, 1856, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $79M. Profitability stands at 0.03% ROA and 0.45% ROE, with a net interest margin of 2.15%. The bank's CET1 capital ratio is 19.65%, 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 #1098.

Assets

$86M

Deposits

$79M

Loans

$29M

Equity

$6M

Profitability

Return on Assets (ROA) 0.03%
Return on Equity (ROE) 0.45%
Net Interest Margin (NIM) 2.15%
Yield on Assets 3.91%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 19.65%
Tier 1 Capital 19.65%
Total Capital Ratio 20.22%
Leverage Ratio 10.17%
Loan-to-Deposit 36.01%

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