FREEPORT STATE BANK

FREEPORT, MN | Small | Est. Jan. 1, 1908, midnight | FDIC #8210 | RSSD #72454 | FDIC
Latest Report: 2025-12-31

FREEPORT STATE BANK is asn small FDIC-insured commercial bank headquartered in FREEPORT, MN, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $169M and total deposits of $152M. Profitability stands at 0.70% ROA and 7.49% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 15.07%, 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 #8210.

Assets

$169M

Deposits

$152M

Loans

$111M

Equity

$16M

Profitability

Return on Assets (ROA) 0.70%
Return on Equity (ROE) 7.49%
Net Interest Margin (NIM) 4.54%
Yield on Assets 5.82%
Cost of Funds 1.31%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 15.07%
Tier 1 Capital 15.07%
Total Capital Ratio 15.90%
Leverage Ratio 9.99%
Loan-to-Deposit 72.87%

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