FIRST BANK ELK RIVER

ELK RIVER, MN | Small | Est. Jan. 1, 1907, midnight | FDIC #5136 | RSSD #970055 | FDIC
Latest Report: 2025-12-31

FIRST BANK ELK RIVER is asn small FDIC-insured commercial bank headquartered in ELK RIVER, MN, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $364M and total deposits of $270M. Profitability stands at 3.51% ROA and 43.42% ROE, with a net interest margin of 3.24%. The bank's CET1 capital ratio is 8.42%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.04%. FDIC Certificate #5136.

Assets

$364M

Deposits

$270M

Loans

$267M

Equity

$31M

Profitability

Return on Assets (ROA) 3.51%
Return on Equity (ROE) 43.42%
Net Interest Margin (NIM) 3.24%
Yield on Assets 4.78%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.04%
NPA Ratio 0.00%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 8.42%
Tier 1 Capital 8.42%
Total Capital Ratio 8.84%
Leverage Ratio 10.68%
Loan-to-Deposit 98.97%

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