Janesville State Bank
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Data as of · sourced from FFIEC call reports. How we update
Janesville State Bank is an FDIC-insured commercial bank headquartered in Janesville, MN, established in 1898 (FDIC certificate 10960), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $98.8M, up 10.7% from Q2 2025, the 171st largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.44% 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
- 10960
- Headquarters
- Janesville, MN
- Established
- 1898
- Total assets, Q2 2026
- $98.8M
- Assets vs Q2 2025
- +10.7%
- Tier 1 leverage ratio, Q2 2026
- 11.44%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091903242
- Latest call report
- Q2 2026, FFIEC 051 · Janesville State Bank call report
- Holding company
- JANESVILLE HOLDING COMPANY
- Asset rank in state
- 171st of 221 in Minnesota
Janesville State Bank, based in Janesville, Minnesota, reported $99 million in assets at June 30, 2026, up 10.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also grew deposits 14.2% over the year, 5.7 times the median of 2.5% for banks its size.
Net income for the quarter rose 12% from a year earlier, to $361,000. Over the same year, loans grew 0.7% and deposits grew 14.2%.
As of June 30, 2026, Janesville State Bank reported a return on assets of 1.45%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Janesville State Bank ranks as the 171st largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.6% to $98.8M, loans fell 0.9% and deposits rose 5.8%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 33.4% of total loans, ahead of 1-4 family residential loans at 29.8%. Its one office in the FDIC Summary of Deposits is in Janesville, MN. By the capital ratios in its Q2 2026 call report, Janesville State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N Main St, Janesville, MN 56048
- County
- Waseca
- 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, 1898
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $84.1M
- Allowance for credit losses
- $762K
- Net charge-offs (YTD)
- $0
- Average total assets
- $99.4M
- Average total loans
- $71.4M
- Average interest-bearing deposits
- $63.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10960
- Fed RSSD
- 88259
- Parent Holding Company
- JANESVILLE HOLDING COMPANY (RSSD 1124284)
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, Janesville State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Janesville State Bank's total assets ranged from $86.3M (Q1 2025) to $98.8M (Q2 2026), 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
$98.8M total assets against $89.2M; $88.1M total liabilities against $79.1M.
$69.6M net loans and leases against $69.1M; $84.1M total deposits against $73.6M.
$17.4M securities against $12.9M; $8.2M cash and balances due against $3.7M.
$1.2M total interest income against $1.1M; $405K total interest expense against $359K.
$838K net interest income against $738K.
$61K total noninterest income against $58K; $472K total noninterest expense against $432K.
$0 provision for credit losses against $5K.
$361K net income against $322K.
1.45% return on assets against 1.45%; 3.53% net interest margin against 3.48%.
11.44% tier 1 leverage ratio against 12.42%.
Inside the full Janesville State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.05% (Q3 2024) to 1.60% (Q1 2026) and its net interest margin ran from 2.88% (Q3 2024) to 3.53% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.44% | 1.45% | 0.00% | 0.00% | 3.53% |
| Q1 2026 | 11.66% | 1.60% | 0.00% | 0.00% | 3.53% |
| Q4 2025 | 12.41% | 1.31% | 0.00% | 0.00% | 3.51% |
| Q3 2025 | 12.44% | 1.59% | 0.00% | 0.00% | 3.40% |
| Q2 2025 | 12.42% | 1.45% | 0.00% | 0.00% | 3.48% |
| Q1 2025 | 11.99% | 1.35% | 0.00% | 0.00% | 3.22% |
| Q4 2024 | 12.44% | 1.06% | 0.00% | 0.00% | 2.97% |
| Q3 2024 | 12.18% | 1.05% | 0.00% | 0.00% | 2.88% |
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 |
|---|---|---|---|
| Janesville State Bank (main office) | Janesville , MN | 56048 | $84.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 209 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $62K approved, $62K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Janesville State Bank
What are Janesville State Bank's total assets?
As of the Q2 2026 filing, Janesville State Bank reported total assets of $98.8 million in its FFIEC call report.
Where is Janesville State Bank headquartered?
It is headquartered in Janesville, MN, United States.
When was Janesville State Bank founded?
It was established in 1898, per the FDIC institution directory.
Is Janesville State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Janesville State Bank?
Janesville State Bank's primary federal regulator is the FDIC.
How many branches does Janesville State 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 Janesville State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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