STATE BANK OF NEW RICHLAND

NEW RICHLAND, MN | Small | Est. Oct. 31, 1898, midnight | FDIC #9735 | RSSD #874452 | FDIC
Latest Report: 2025-12-31

STATE BANK OF NEW RICHLAND is asn small FDIC-insured commercial bank headquartered in NEW RICHLAND, MN, established in Oct. 31, 1898, midnight. As of 2025-12-31, the bank reported total assets of $126M and total deposits of $85M. Profitability stands at 1.42% ROA and 15.25% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 10.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 1.02%. FDIC Certificate #9735.

Assets

$126M

Deposits

$85M

Loans

$112M

Equity

$11M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 15.25%
Net Interest Margin (NIM) 3.60%
Yield on Assets 6.37%
Cost of Funds 2.86%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.02%
NPA Ratio 0.10%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 10.79%
Tier 1 Capital 10.79%
Total Capital Ratio 11.69%
Leverage Ratio 9.18%
Loan-to-Deposit 133.03%

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