Odin 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 Reserve coverage of non-performing loans: 213.78 percentage points lower than in Q1 2026, at 74.13%. On return on assets, Odin State Bank ranks 19th highest among the 221 banks headquartered in Minnesota, at 2.22% (Q2 2026). Odin State Bank's return on assets of 2.22% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.22 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.94% |
| Tier 1 risk-based capital ratio | 11.94% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 8.50% |
| Equity capital to assets | 8.18% |
| Tangible equity to tangible assets | 8.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.43% |
| Non-performing assets ratio | 1.04% |
| Net charge-off ratio | -0.11% |
| Texas ratio | 17.62% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 74.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.22% |
| Return on equity | 28.11% |
| Net interest margin | 3.71% |
| Efficiency ratio | 51.30% |
| Yield on earning assets | 6.31% |
| Cost of funds | 2.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.60% |
| Core deposits to total deposits | 68.60% |
| Brokered deposits to total deposits | 21.46% |
| Deposits to assets | 90.30% |
| Securities to assets | 23.35% |
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 | 11.83% | 11.83% | 13.08% | 8.21% | 0.51% |
| Q4 2023 | 11.00% | 11.00% | 12.25% | 7.81% | 0.89% |
| Q1 2024 | 12.33% | 12.33% | 13.58% | 8.54% | 1.07% |
| Q2 2024 | 11.85% | 11.85% | 13.11% | 8.59% | 0.55% |
| Q3 2024 | 12.18% | 12.18% | 13.43% | 8.37% | 1.22% |
| Q4 2024 | 11.84% | 11.84% | 13.07% | 8.42% | 1.12% |
| Q1 2025 | 11.84% | 11.84% | 13.09% | 8.46% | 0.91% |
| Q2 2025 | 12.34% | 12.34% | 13.54% | 8.32% | 1.15% |
| Q3 2025 | 12.15% | 12.15% | 13.32% | 8.49% | 0.62% |
| Q4 2025 | 11.95% | 11.95% | 13.05% | 8.53% | 1.22% |
| Q1 2026 | 11.18% | 11.18% | 12.31% | 7.89% | -2.41% |
| Q2 2026 | 11.94% | 11.94% | 13.11% | 8.50% | 2.22% |
Odin State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Odin 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 Odin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14574) · FFIEC NIC profile (RSSD 876157)