Currie State Bank
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Data as of · sourced from FFIEC call reports. How we update
Currie State Bank is an FDIC-insured commercial bank headquartered in Currie, MN, established in 1931 (FDIC certificate 8833), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $99.997M, down 1.9% from Q2 2025, the 170th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.69% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8833
- Headquarters
- Currie, MN
- Established
- 1931
- Total assets, Q2 2026
- $99.997M
- Assets vs Q2 2025
- -1.9%
- Tier 1 leverage ratio, Q2 2026
- 10.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091215985
- Latest call report
- Q2 2026, FFIEC 051 · Currie State Bank call report
- Holding company
- CURRIE BANCORPORATION, INC.
- Asset rank in state
- 170th of 221 in Minnesota
Currie State Bank, based in Currie, Minnesota, reported $100 million in assets at June 30, 2026, down 1.9% from a year earlier. It shrank its loan book 7.4% over the year, lower than about three-quarters of the 533 banks with less than $100 million in assets (median 2.6%). It also pays an average of 2.32% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
Net income for the quarter slipped 18% from a year earlier, to $313,000. Over the same year, loans shrank 7.4% and deposits shrank 2.4%.
As of June 30, 2026, Currie State Bank reported a return on assets of 1.25%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 7.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Currie State Bank is the 170th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets rose 2.3% to $99.9M, loans rose 1.4% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 40.5% of total loans, ahead of agricultural production loans at 36.8%. Its 2 offices in the FDIC Summary of Deposits are in Currie, MN and Okabena, MN; its Currie office books 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, Currie State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 141 Mill St, Currie, MN 56123
- County
- Murray
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1931
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $88.3M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $99.8M
- Average total loans
- $90.8M
- Average interest-bearing deposits
- $70.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8833
- Fed RSSD
- 343958
- Website
- www.curriestatebank.com →
- Parent Holding Company
- CURRIE BANCORPORATION, INC. (RSSD 1125151)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Currie State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Currie State Bank's total assets ran between $88.7M (Q3 2023) and $103.1M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$99.9M total assets against $102.0M; $89.3M total liabilities against $91.6M.
$87.1M net loans and leases against $94.1M; $88.3M total deposits against $90.4M.
$29K securities against $39K; $9.0M cash and balances due against $3.6M.
$1.6M total interest income against $1.7M; $517K total interest expense against $568K.
$1.1M net interest income against $1.1M.
$33K total noninterest income against $44K; $696K total noninterest expense against $647K.
No provision recorded in the last 12 quarters.
$313K net income against $382K.
1.25% return on assets against 1.54%; 4.55% net interest margin against 4.59%.
10.69% tier 1 leverage ratio against 10.45%.
Inside the full Currie State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.15% (Q3 2024) to 1.54% (Q2 2025) and its net interest margin ran from 4.37% (Q4 2024) to 4.74% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.69% | 1.25% | 0.96% | 7.09% | 4.55% |
| Q1 2026 | 10.44% | 1.23% | 1.03% | 7.69% | 4.51% |
| Q4 2025 | 10.74% | 1.27% | 5.62% | 36.33% | 4.65% |
| Q3 2025 | 10.34% | 1.48% | 2.69% | 13.27% | 4.74% |
| Q2 2025 | 10.45% | 1.54% | 0.94% | 7.64% | 4.59% |
| Q1 2025 | 10.18% | 1.19% | 3.03% | 11.47% | 4.40% |
| Q4 2024 | 10.79% | 1.23% | 0.96% | 7.33% | 4.37% |
| Q3 2024 | 10.70% | 1.15% | 1.05% | 7.76% | 4.47% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Currie State Bank (main office) | Currie , MN | 56123 | $58.0M |
| Okabena Br | Okabena , MN | 56161 | $30.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 17, 2016 | Structure Change | Acquired First State Bank of Okabena (Incorporated) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, CURRIE BANCORPORATION, INC., not the bank itself
- November 3, 2008, Federal Reserve: Written Agreement: Currie Bancorporation, Inc., Currie, Minnesota
- Period: Most recent institution action November 3, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 205 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $395K approved, $395K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Currie State Bank
What are Currie State Bank's total assets?
As of the Q2 2026 filing, Currie State Bank reported total assets of $99.9 million in its FFIEC call report.
Where is Currie State Bank headquartered?
It is headquartered in Currie, MN, United States.
When was Currie State Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Currie State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Currie State Bank?
Currie State Bank's primary federal regulator is the FDIC.
How many branches does Currie State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Currie State Bank's Texas Ratio?
Its Texas Ratio is 7.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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