JANESVILLE STATE BANK

JANESVILLE, MN | Micro | Est. Jan. 1, 1898, midnight | FDIC #10960 | RSSD #88259 | FDIC
Latest Report: 2025-12-31

JANESVILLE STATE BANK is amn micro FDIC-insured commercial bank headquartered in JANESVILLE, MN, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $79M. Profitability stands at 1.33% ROA and 11.39% ROE, with a net interest margin of 3.68%. The bank's CET1 capital ratio is 11.65%, 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 #10960.

Assets

$95M

Deposits

$79M

Loans

$73M

Equity

$11M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 11.39%
Net Interest Margin (NIM) 3.68%
Yield on Assets 5.54%
Cost of Funds 2.77%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 11.65%
Tier 1 Capital 11.65%
Total Capital Ratio 12.24%
Leverage Ratio 12.41%
Loan-to-Deposit 92.02%

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