Frost State Bank
Frost State completed a merger involving an acquired institution in December 2025. Operating from Frost, MN, Frost State Bank serves its local market as an FDIC-insured commercial bank. The Q3 2025 balance sheet stands at $54M in assets, including $47M in loans. Profitability is strong — 2.12% ROA, paired with 12.54% ROE and a 4.62% net interest margin. Capital cushions are healthy: 18.21% CET1, 17.14% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.04%. The bank operates from a single office.
Headquarters Profile
- Address
- 205 Main St, Frost, MN 56033
- County
- Faribault
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- December 20, 1985
- Branches
- 1 domestic
- Employees (FTE)
- 7
- FDIC Cert
- 26519
- Fed RSSD
- 943853
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Frost State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 4 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerMerger -Without AssistanceFDIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
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Frequently asked about Frost State Bank
What are Frost State Bank's total assets?
As of the Q1 2026 filing, Frost State Bank reported total assets of $53.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Frost State Bank headquartered?
Frost State Bank is headquartered in Frost, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Frost State Bank founded?
Frost State Bank was established in 1985, per the FDIC institution directory.
Is Frost State Bank FDIC-insured?
Yes. Frost State Bank is an FDIC-insured commercial bank (FDIC Certificate #26519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Frost State Bank?
Frost State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Frost State Bank's CET1 capital ratio?
Frost State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.21% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Frost State Bank operate?
Frost State Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Frost State Bank's Texas Ratio?
Frost State Bank's Texas Ratio is 2.68% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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