Global Innovations Bank
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Data as of · sourced from FFIEC call reports. How we update
Global Innovations Bank is an FDIC-insured commercial bank headquartered in Kiester, MN, established in 1889 (FDIC certificate 5175), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $120.1M, up 21.5% from Q2 2025, the 154th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.57% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5175
- Headquarters
- Kiester, MN
- Established
- 1889
- Total assets, Q2 2026
- $120.1M
- Assets vs Q2 2025
- +21.5%
- CET1 ratio, Q2 2026
- 11.57%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091208154
- Latest call report
- Q2 2026, FFIEC 051 · Global Innovations Bank call report
- Holding company
- GLOBAL INNOVATIONS HOLDINGS, INCORPORATED
- Asset rank in state
- 154th of 221 in Minnesota
Global Innovations Bank is one of the more profitable banks of its size. The Kiester, Minnesota bank had $120 million in assets at June 30, 2026, up 21.5% from a year earlier. It returns 25.5% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.47% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 58.5% and deposits rose 21.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Global Innovations Bank reported a CET1 capital ratio of 11.57%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
Global Innovations Bank ranks as the 154th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 7.9% to $120.1M, loans rose 12.0% and deposits rose 9.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 42.1% of total loans, followed by non-owner-occupied commercial real estate loans at 30.0%. Its one office in the FDIC Summary of Deposits is in Kiester, MN. Judged on its Q2 2026 call report, Global Innovations Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Main St, Kiester, MN 56051
- County
- Faribault
- 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
- January 1, 1889
- Former names
- First State Bank of Kiester (2004-2020)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $109.4M
- Allowance for credit losses
- $758K
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $114.6M
- Average total loans
- $76.3M
- Average interest-bearing deposits
- $84.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5175
- Fed RSSD
- 1015458
- Website
- www.gibank.com →
- Parent Holding Company
- GLOBAL INNOVATIONS HOLDINGS, INCORPORATED (RSSD 5610936)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Global Innovations Bank's total assets moved between a low of $55.5M (Q3 2023) and a high of $120.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$120.1M total assets against $98.9M; $110.4M total liabilities against $90.6M.
$78.9M net loans and leases against $49.8M; $109.4M total deposits against $90.1M.
$188K securities against $237K; $38.5M cash and balances due against $46.9M.
$1.5M total interest income against $1.1M; $587K total interest expense against $517K.
$906K net interest income against $535K.
$1.5M total noninterest income against $1.1M; $1.5M total noninterest expense against $1.5M.
$128K provision for credit losses against $54K.
$591K net income against $100K.
2.06% return on assets against 0.43%; 3.78% net interest margin against 2.69%.
11.57% CET1 capital ratio against 14.92%; 8.47% tier 1 leverage ratio against 8.97%.
Inside the full Global Innovations 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Global Innovations Bank rankings
Its closest position to the top of a national ranking is 422 of 3,611, for ROA; its furthest is 3,136 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.19% (Q1 2025) to 2.06% (Q2 2026) and its net interest margin ran from 2.66% (Q1 2025) to 4.01% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.57% | 2.06% | 0.03% | 0.23% | 3.78% |
| Q1 2026 | 11.74% | 0.80% | 2.04% | 15.31% | 3.52% |
| Q4 2025 | 13.38% | 0.57% | 0.86% | 5.45% | 3.06% |
| Q3 2025 | 14.74% | 1.06% | 0.94% | 5.55% | 3.11% |
| Q2 2025 | 14.92% | 0.43% | 0.12% | 0.70% | 2.69% |
| Q1 2025 | 15.93% | -0.19% | 0.02% | 0.12% | 2.66% |
| Q4 2024 | 19.45% | 0.02% | 0.04% | 0.17% | 3.39% |
| Q3 2024 | 21.30% | 1.38% | 0.05% | 0.20% | 4.01% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Global Innovations Bank (main office) | Kiester , MN | 56051 | $109.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 6 against individuals associated with it
- Period: Most recent action September 8, 1989. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 184 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $117K approved, $59K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (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 Global Innovations Bank
What are Global Innovations Bank's total assets?
As of the Q2 2026 filing, Global Innovations Bank reported total assets of $120.1 million in its FFIEC call report.
Where is Global Innovations Bank headquartered?
It is headquartered in Kiester, MN, United States.
When was Global Innovations Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Global Innovations Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5175). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Global Innovations Bank?
Global Innovations Bank's primary federal regulator is the FDIC.
What is Global Innovations Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.57% in its Q2 2026 call report, above regulatory requirements.
How many branches does Global Innovations Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Global Innovations Bank's Texas Ratio?
Its Texas Ratio is 0.23% 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.
What was Global Innovations Bank previously called?
The charter now named Global Innovations Bank has also operated as First State Bank of Kiester (2004-2020), per FDIC structure-change records.
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