FIRST STATE BANK OF CANDO

CANDO, ND | Micro | Est. Jan. 1, 1888, midnight | FDIC #15471 | RSSD #918655 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF CANDO is amn micro FDIC-insured commercial bank headquartered in CANDO, ND, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $74M and total deposits of $67M. Profitability stands at 1.21% ROA and 14.68% ROE, with a net interest margin of 3.44%. The bank's CET1 capital ratio is 22.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.15%. FDIC Certificate #15471.

Assets

$74M

Deposits

$67M

Loans

$27M

Equity

$6M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 14.68%
Net Interest Margin (NIM) 3.44%
Yield on Assets 4.88%
Cost of Funds 2.96%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.15%
NPA Ratio 0.01%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 22.63%
Tier 1 Capital 22.63%
Total Capital Ratio 23.48%
Leverage Ratio 11.22%
Loan-to-Deposit 40.61%

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