Marshall County State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Total risk-based capital ratio: 3.93 percentage points higher than in Q1 2026, at 62.00%. Within Minnesota, Marshall County State Bank is 87th of 221 on return on assets, 1.55% as of Q2 2026. Marshall County State Bank's return on assets of 1.55% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 0.55 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 60.73% |
| Tier 1 risk-based capital ratio | 60.73% |
| Total risk-based capital ratio | 62.00% |
| Tier 1 leverage ratio | 15.81% |
| Equity capital to assets | 15.39% |
| Tangible equity to tangible assets | 15.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.07% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 9.97% |
| Net interest margin | 3.06% |
| Efficiency ratio | 47.75% |
| Yield on earning assets | 4.74% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 37.99% |
| Core deposits to total deposits | 96.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.21% |
| Securities to assets | 42.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 57.66% | 57.66% | 58.93% | 16.60% | 1.55% |
| Q4 2023 | 60.35% | 60.35% | 61.61% | 16.70% | 2.06% |
| Q1 2024 | 60.72% | 60.72% | 61.99% | 16.83% | 0.74% |
| Q2 2024 | 60.71% | 60.71% | 61.98% | 16.64% | 1.75% |
| Q3 2024 | 59.35% | 59.35% | 60.61% | 17.02% | 1.87% |
| Q4 2024 | 56.10% | 56.10% | 57.37% | 16.12% | 2.23% |
| Q1 2025 | 56.05% | 56.05% | 57.32% | 16.63% | 1.39% |
| Q2 2025 | 60.78% | 60.78% | 62.05% | 16.52% | 1.32% |
| Q3 2025 | 56.96% | 56.96% | 58.23% | 16.75% | 1.07% |
| Q4 2025 | 59.69% | 59.69% | 60.96% | 15.53% | 1.47% |
| Q1 2026 | 56.81% | 56.81% | 58.07% | 15.80% | 1.39% |
| Q2 2026 | 60.73% | 60.73% | 62.00% | 15.81% | 1.55% |
Marshall County State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Marshall County State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Marshall County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9752) · FFIEC NIC profile (RSSD 720157)