GRAND TIMBER BANK

MCGREGOR, MN | Micro | Est. March 18, 1963, midnight | FDIC #18719 | RSSD #918356 | FDIC
Latest Report: 2025-12-31

GRAND TIMBER BANK is amn micro FDIC-insured commercial bank headquartered in MCGREGOR, MN, established in March 18, 1963, midnight. As of 2025-12-31, the bank reported total assets of $64M and total deposits of $53M. Profitability stands at 1.28% ROA and 9.68% ROE, with a net interest margin of 6.26%. The bank's CET1 capital ratio is 13.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.04% and a Texas Ratio of 18.66%. FDIC Certificate #18719.

Assets

$64M

Deposits

$53M

Loans

$56M

Equity

$8M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 9.68%
Net Interest Margin (NIM) 6.26%
Yield on Assets 7.51%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 3.04%
Net Charge-Off Ratio 0.35%
Texas Ratio 18.66%
NPA Ratio 2.69%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 13.54%
Tier 1 Capital 13.54%
Total Capital Ratio 14.79%
Leverage Ratio 11.12%
Loan-to-Deposit 107.35%

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