BanksFIRST STATE BANK OF RED WING, THE

FIRST STATE BANK OF RED WING, THE

RED WING, MNMicroEst. Oct. 14, 1915, midnightFDIC #8191RSSD #818559FDIC
Latest · 2025-12-31

FIRST STATE BANK OF RED WING, THE is an FDIC-insured commercial bank headquartered in RED WING, MN, established in Oct. 14, 1915, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $82M. Profitability stands at 0.31% ROA and 8.97% ROE, with a net interest margin of 2.80%. CET1 capital ratio: 20.60%, well above regulatory minimums. NPL ratio: 1.05% · Texas Ratio: 10.51%. Operates 3 domestic branches.

Assets
$86M
Deposits
$82M
Loans
$35M
Equity
$3M

Profitability

Return on Assets (ROA)0.31%
Return on Equity (ROE)8.97%
Net Interest Margin2.80%
Yield on Assets4.24%
Cost of Funds1.38%

Asset Quality

NPL Ratio1.05%
Net Charge-Off Ratio0.03%
Texas Ratio10.51%
NPA Ratio0.43%
ACL / Loans0.83%

Capital & Liquidity

CET1 Ratio20.60%
Tier 1 Capital20.60%
Total Capital Ratio21.35%
Leverage Ratio9.12%
Loan-to-Deposit42.70%

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