Rolette State Bank
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Data as of · sourced from FFIEC call reports. How we update
Rolette State Bank is an FDIC-insured commercial bank headquartered in Rolette, ND, established in 1928 (FDIC certificate 9120), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $51.5M, up 9.0% from Q2 2025, the 57th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.87% 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
- 9120
- Headquarters
- Rolette, ND
- Established
- 1928
- Total assets, Q2 2026
- $51.5M
- Assets vs Q2 2025
- +9.0%
- Tier 1 leverage ratio, Q2 2026
- 9.87%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091302717
- Asset rank in state
- 57th of 60 in North Dakota
Rolette State Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $52 million at June 30, 2026, up 9.0% from a year earlier; it is based in Rolette, North Dakota. It funds 9.87% of its assets with Tier 1 capital, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 13.06%). On the other hand, it returns 16.5% a year on shareholders' equity, about double the median of 8.6% for banks its size.
Earnings fell sharply: quarterly net income of $213,000 was 39% below a year earlier. Over the same year, loans grew 4.8% and deposits grew 9.3%.
As of June 30, 2026, Rolette State Bank reported a return on assets of 1.60%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Rolette State Bank is the 57th largest of the 60 banks headquartered in North Dakota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.9% to $51.5M, loans rose 14.0% and deposits fell 2.2%. Agricultural production loans made up 57.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.0%. The FDIC Summary of Deposits lists a single office for it, in Rolette, ND. On its Q2 2026 call report, Rolette State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 209 Main Street, Rolette, ND 58366
- County
- Rolette
- 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
- January 1, 1928
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $46.0M
- Allowance for credit losses
- $369K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $53.1M
- Average total loans
- $33.8M
- Average interest-bearing deposits
- $36.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9120
- Fed RSSD
- 1012457
- Website
- www.rolettestatebank.com →
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, Rolette State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Rolette State Bank's total assets moved between a low of $46.5M (Q4 2024) and a high of $52.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$51.5M total assets against $47.3M; $46.3M total liabilities against $42.4M.
$37.0M net loans and leases against $35.4M; $46.0M total deposits against $42.1M.
$5.0M securities against $5.0M; $7.6M cash and balances due against $5.0M.
$784K total interest income against $721K; $189K total interest expense against $177K.
$595K net interest income against $544K.
$55K total noninterest income against $264K; $437K total noninterest expense against $435K.
$0 provision for credit losses against $25K.
$213K net income against $348K.
1.60% return on assets against 2.96%; 4.83% net interest margin against 5.05%.
9.87% tier 1 leverage ratio against 10.36%.
Inside the full Rolette 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 -0.29% (Q4 2025) to 2.96% (Q2 2025) and its net interest margin ran from 4.36% (Q1 2026) to 5.27% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.87% | 1.60% | 0.04% | 0.27% | 4.83% |
| Q1 2026 | 10.13% | 1.42% | 0.04% | 0.22% | 4.36% |
| Q4 2025 | 10.10% | -0.29% | 0.03% | 0.22% | 5.02% |
| Q3 2025 | 10.80% | 2.36% | 1.62% | 10.71% | 5.27% |
| Q2 2025 | 10.36% | 2.96% | 0.04% | 0.25% | 5.05% |
| Q1 2025 | 10.08% | 1.62% | 0.04% | 0.26% | 4.78% |
| Q4 2024 | 9.71% | 0.69% | 0.04% | 0.28% | 4.83% |
| Q3 2024 | 9.48% | 1.37% | 1.94% | 14.66% | 4.64% |
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 |
|---|---|---|---|
| Rolette State Bank (main office) | Rolette , ND | 58366 | $46.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in ND, rank 65 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (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 Rolette State Bank
What are Rolette State Bank's total assets?
As of the Q2 2026 filing, Rolette State Bank reported total assets of $51.5 million in its FFIEC call report.
Where is Rolette State Bank headquartered?
It is headquartered in Rolette, ND, United States.
When was Rolette State Bank founded?
It was established in 1928, per the FDIC institution directory.
Is Rolette State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rolette State Bank?
Rolette State Bank's primary federal regulator is the FDIC.
How many branches does Rolette 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 Rolette State Bank's Texas Ratio?
Its Texas Ratio is 0.27% 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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