COMMUNITY RESOURCE BANK

NORTHFIELD, MN | Medium | Est. Sept. 18, 1878, midnight | FDIC #5219 | RSSD #813853 | FED
Latest Report: 2025-12-31

COMMUNITY RESOURCE BANK is amn medium FDIC-insured commercial bank headquartered in NORTHFIELD, MN, established in Sept. 18, 1878, midnight. As of 2025-12-31, the bank reported total assets of $542M and total deposits of $447M. Profitability stands at 1.25% ROA and 10.97% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 14.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.33% and a Texas Ratio of 7.86%. FDIC Certificate #5219.

Assets

$542M

Deposits

$447M

Loans

$405M

Equity

$63M

Profitability

Return on Assets (ROA) 1.25%
Return on Equity (ROE) 10.97%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.88%
Cost of Funds 1.65%

Asset Quality

NPL Ratio 1.33%
Net Charge-Off Ratio 0.07%
Texas Ratio 7.86%
NPA Ratio 0.99%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 14.01%
Tier 1 Capital 14.01%
Total Capital Ratio 15.26%
Leverage Ratio 10.74%
Loan-to-Deposit 90.75%

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