Marshall County State Bank
BankRegReports is independent of Marshall County State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Marshall County State Bank is an FDIC-insured commercial bank headquartered in Newfolden, MN, established in 1922 (FDIC certificate 9752), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $45.4M, up 7.6% from Q2 2025, the 209th largest of 221 banks headquartered in Minnesota.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9752
- Headquarters
- Newfolden, MN
- Established
- 1922
- Total assets, Q2 2026
- $45.4M
- Assets vs Q2 2025
- +7.6%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091215435
- Latest call report
- Q2 2026, FFIEC 051 · Marshall County State Bank call report
- Asset rank in state
- 209th of 221 in Minnesota
Marshall County State Bank runs leaner than most banks of its size. The Newfolden, Minnesota bank had $45 million in assets at June 30, 2026, up 7.6% from a year earlier. It spends about 48 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Net income for the quarter rose 24% from a year earlier, to $173,000. Over the same year, loans grew 2.9% and deposits grew 9.4%. Its margin is thin by comparison: it keeps 3.06 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Marshall County State Bank reported a CET1 capital ratio of 60.73%, a return on assets of 1.55%, 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.
Marshall County State Bank ranks as the 209th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.8% to $45.4M, loans rose 1.7% and deposits rose 3.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.4% of total loans, followed by owner-occupied commercial real estate loans at 10.5%. The FDIC Summary of Deposits lists a single office for it, in Newfolden, MN. By the capital ratios in its Q2 2026 call report, Marshall County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 E Minnesota Ave, Newfolden, MN 56738
- County
- Marshall
- 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
- October 20, 1922
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $38.2M
- Allowance for credit losses
- $300K
- Net charge-offs (YTD)
- $0
- Average total assets
- $44.7M
- Average total loans
- $14.4M
- Average interest-bearing deposits
- $29.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9752
- Fed RSSD
- 720157
- Website
- www.mcsbnewfolden.com →
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
From Q3 2023 to Q2 2026, Marshall County State Bank's total assets ranged from $38.2M (Q3 2023) to $45.4M (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
$45.4M total assets against $42.2M; $38.4M total liabilities against $35.2M.
$14.2M net loans and leases against $13.8M; $38.2M total deposits against $35.0M.
$19.2M securities against $19.9M; $11.6M cash and balances due against $8.1M.
$523K total interest income against $512K; $185K total interest expense against $212K.
$338K net interest income against $300K.
$18K total noninterest income against $16K; $170K total noninterest expense against $157K.
No provision recorded in the last 12 quarters.
$173K net income against $139K.
1.55% return on assets against 1.32%; 3.06% net interest margin against 2.91%.
60.73% CET1 capital ratio against 60.78%; 15.81% tier 1 leverage ratio against 16.52%.
Inside the full Marshall County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMarshall County State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q3 2025) to 2.23% (Q4 2024) and its net interest margin ran from 2.87% (Q4 2025) to 3.46% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 60.73% | 1.55% | 0.00% | 0.00% | 3.06% |
| Q1 2026 | 56.81% | 1.39% | 0.00% | 0.00% | 2.96% |
| Q4 2025 | 59.69% | 1.47% | 0.00% | 0.00% | 2.87% |
| Q3 2025 | 56.96% | 1.07% | 0.00% | 0.00% | 2.97% |
| Q2 2025 | 60.78% | 1.32% | 0.00% | 0.00% | 2.91% |
| Q1 2025 | 56.05% | 1.39% | 0.00% | 0.00% | 3.14% |
| Q4 2024 | 56.10% | 2.23% | 0.00% | 0.00% | 3.46% |
| Q3 2024 | 59.35% | 1.87% | 0.00% | 0.00% | 3.46% |
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 |
|---|---|---|---|
| Marshall County State Bank (main office) | Newfolden , MN | 56738 | $38.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 255 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (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
Add this badge to your website
Free to use. It shows Marshall County State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Marshall County State Bank with peers
Frequently asked about Marshall County State Bank
What are Marshall County State Bank's total assets?
As of the Q2 2026 filing, Marshall County State Bank reported total assets of $45.4 million in its FFIEC call report.
Where is Marshall County State Bank headquartered?
It is headquartered in Newfolden, MN, United States.
When was Marshall County State Bank founded?
It was established in 1922, per the FDIC institution directory.
Is Marshall County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Marshall County State Bank?
Marshall County State Bank's primary federal regulator is the FDIC.
What is Marshall County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 60.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Marshall County 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 Marshall County 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.
Go deeper on Marshall County State Bank.
Get an email when Marshall County State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Marshall County State Bank, freeFree account