Red River 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.
Loan-to-deposit ratio climbed 10.12 percentage points in Q2 2026, from 97.03% to 107.14%. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Red River State Bank sits 18th from the top on return on assets, 2.24% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Red River State Bank reported 2.24% on return on assets in Q2 2026, 0.99 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.24% |
| Equity capital to assets | 16.09% |
| Tangible equity to tangible assets | 15.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.74% |
| Non-performing assets ratio | 6.90% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 45.76% |
| Allowance for credit losses to loans | 1.67% |
| Reserve coverage of non-performing loans | 21.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.24% |
| Return on equity | 14.75% |
| Net interest margin | 4.83% |
| Efficiency ratio | 55.60% |
| Yield on earning assets | 6.18% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.14% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 5.17% |
| Deposits to assets | 83.17% |
| Securities to assets | 2.36% |
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 | 19.14% | 19.14% | 20.40% | 13.58% | 2.34% |
| Q4 2023 | 17.43% | 17.43% | 18.69% | 11.79% | -3.92% |
| Q1 2024 | 17.92% | 17.92% | 19.17% | 12.66% | 1.86% |
| Q2 2024 | 18.48% | 18.48% | 19.74% | 12.88% | 1.72% |
| Q3 2024 | 18.92% | 18.92% | 20.18% | 13.24% | 1.06% |
| Q4 2024 | — | — | — | 12.55% | -1.11% |
| Q1 2025 | — | — | — | 13.15% | 1.56% |
| Q2 2025 | — | — | — | 13.92% | 1.10% |
| Q3 2025 | — | — | — | 14.32% | 0.99% |
| Q4 2025 | — | — | — | 13.42% | -1.41% |
| Q1 2026 | — | — | — | 14.23% | 2.13% |
| Q2 2026 | — | — | — | 15.24% | 2.24% |
Red River State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Red River 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 Red River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15820) · FFIEC NIC profile (RSSD 1005655)