ODIN STATE BANK

ODIN, MN | Micro | Est. June 9, 1904, midnight | FDIC #14574 | RSSD #876157 | FDIC
Latest Report: 2025-12-31

ODIN STATE BANK is amn micro FDIC-insured commercial bank headquartered in ODIN, MN, established in June 9, 1904, midnight. As of 2025-12-31, the bank reported total assets of $82M and total deposits of $74M. Profitability stands at 1.24% ROA and 15.24% ROE, with a net interest margin of 4.06%. The bank's CET1 capital ratio is 11.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.79% and a Texas Ratio of 9.85%. FDIC Certificate #14574.

Assets

$82M

Deposits

$74M

Loans

$64M

Equity

$7M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 15.24%
Net Interest Margin (NIM) 4.06%
Yield on Assets 7.03%
Cost of Funds 3.61%

Asset Quality

NPL Ratio 0.79%
Net Charge-Off Ratio 0.14%
Texas Ratio 9.85%
NPA Ratio 0.90%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 11.95%
Tier 1 Capital 11.95%
Total Capital Ratio 13.05%
Leverage Ratio 8.53%
Loan-to-Deposit 86.67%

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