Randall State Bank
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Data as of · sourced from FFIEC call reports. How we update
Randall State Bank is an FDIC-insured commercial bank headquartered in Randall, MN, established in 1908 (FDIC certificate 10969), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $76.4M, up 28.1% from Q2 2025, the 189th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.73% 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
- 10969
- Headquarters
- Randall, MN
- Established
- 1908
- Total assets, Q2 2026
- $76.4M
- Assets vs Q2 2025
- +28.1%
- Tier 1 leverage ratio, Q2 2026
- 10.73%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091909084
- Holding company
- SECURITY STATE AGENCY OF AITKIN, INC.
- Asset rank in state
- 189th of 221 in Minnesota
Randall State Bank earns an unusually wide margin on its lending. Its balance sheet stood at $76 million at June 30, 2026, up 28.1% from a year earlier; it is based in Randall, Minnesota. It keeps 5.93 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it holds commercial real estate loans worth 1.6 times its capital, 6.1 times the median of 26% for banks its size.
Earnings jumped: net income for the quarter was $228,000, 64% above the same quarter a year earlier. Over the same year, loans grew 27.7% and deposits grew 18.7%. Credit is the area to watch: it carries problem assets equal to 17.3% of the capital and reserves that would absorb them, 12.5 times the median of 1.4% for banks its size.
As of June 30, 2026, Randall State Bank reported a return on assets of 1.20%, a nonperforming-loan ratio of 2.30% and a Texas ratio of 17.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Randall State Bank is the 189th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $76.4M, loans rose 5.5% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 52.8% of total loans, ahead of owner-occupied commercial real estate loans at 14.0%. Its 2 offices in the FDIC Summary of Deposits are in Randall, MN and Brainerd, MN; its Randall office books 79% of its branch deposits. Judged on its Q2 2026 call report, Randall State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 307 Pacific Ave, Randall, MN 56475
- County
- Morrison
- 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
- April 8, 1908
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $63.2M
- Allowance for credit losses
- $644K
- Net charge-offs (YTD)
- $232K
- Average total assets
- $76.2M
- Average total loans
- $59.8M
- Average interest-bearing deposits
- $46.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10969
- Fed RSSD
- 172251
- Website
- www.randallstatebank.com →
- Parent Holding Company
- SECURITY STATE AGENCY OF AITKIN, INC. (RSSD 1125441)
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, Randall 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, Randall State Bank's total assets ranged from $58.4M (Q4 2024) to $80.7M (Q3 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$76.4M total assets against $59.6M; $63.4M total liabilities against $53.5M.
$61.1M net loans and leases against $47.8M; $63.2M total deposits against $53.3M.
$2.3M securities against $3.3M; $6.1M cash and balances due against $7.5M.
$1.3M total interest income against $1.0M; $263K total interest expense against $212K.
$1.0M net interest income against $795K.
$15K total noninterest income against $10K; $663K total noninterest expense against $568K.
$140K provision for credit losses against $40K.
$228K net income against $139K.
1.20% return on assets against 0.94%; 5.93% net interest margin against 5.55%.
10.73% tier 1 leverage ratio against 10.43%.
Inside the full Randall 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 -1.54% (Q3 2025) to 1.80% (Q1 2026) and its net interest margin ran from 5.37% (Q3 2024) to 5.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.73% | 1.20% | 2.30% | 17.25% | 5.93% |
| Q1 2026 | 10.34% | 1.80% | 3.16% | 23.93% | 5.84% |
| Q4 2025 | 10.34% | 0.89% | 2.47% | 18.11% | 5.69% |
| Q3 2025 | 11.26% | -1.54% | 2.12% | 15.08% | — |
| Q2 2025 | 10.43% | 0.94% | 2.54% | 18.73% | 5.55% |
| Q1 2025 | 10.25% | 1.22% | 0.80% | 6.30% | 5.63% |
| Q4 2024 | 10.29% | -0.09% | 0.90% | 7.03% | 5.56% |
| Q3 2024 | 10.22% | 1.35% | 1.23% | 8.53% | 5.37% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Randall State Bank (main office) | Randall , MN | 56475 | $49.7M |
| Brainerd Office | Brainerd , MN | 56401 | $13.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 232 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $149K approved, $149K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 Randall State Bank
What are Randall State Bank's total assets?
As of the Q2 2026 filing, Randall State Bank reported total assets of $76.4 million in its FFIEC call report.
Where is Randall State Bank headquartered?
It is headquartered in Randall, MN, United States.
When was Randall State Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Randall State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Randall State Bank?
Randall State Bank's primary federal regulator is the FDIC.
How many branches does Randall State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Randall State Bank's Texas Ratio?
Its Texas Ratio is 17.25% 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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