Bank call report · Chatfield, MN
Root River State Bank Call Report
Filed for the quarter ended (Q2 2026) on the FFIEC 051. Source: FFIEC Central Data Repository.
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Root River State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 292 reported line items, schedule by schedule (769 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 309851 |
| FDIC certificate number | 1098 |
| Total assets | $86.8M |
Official Q2 2026 call report PDF (FFIEC) →
Root River State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Root River State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total assets | RCON2170 | $86.8M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $86.8M |
| Total liabilities and minority interest | RCON2948 | $80.6M |
| Total deposits | RCON2200 | $80.4M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $72.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $39.9M |
| Loans and leases, net of unearned income - totals | RCONB528 | $28.3M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $28.0M |
| Interest-bearing balances | RCON0071 | $9.3M |
| Deposits, noninterest-bearing | RCON6631 | $7.7M |
| Total equity capital | RCON3210 | $6.2M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $6.2M |
| Undivided profits and capital reserves | RCON3632 | $5.0M |
| Other assets | RCON2160 | $4.3M |
| Federal funds sold | RCONB987 | $4.0M |
| Surplus | RCON3839 | $3.7M |
| Accumulated other comprehensive income | RCONB530 | -$2.6M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $602K |
| Held-to-maturity securities, total | RCON1754 | $602K |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $364K |
| Noninterest-bearing balances and currency and coin | RCON0081 | $290K |
| Allowance for loan and lease losses | RCON3123 | $249K |
| Other liabilities, total | RCON2930 | $163K |
| Common stock | RCON3230 | $91K |
Schedule RI: Income Statement (35 items)
About Schedule RI · Root River State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total interest income | RIAD4107 | $1.6M |
| Total noninterest expense | RIAD4093 | $914K |
| Net interest income | RIAD4074 | $893K |
| Interest and fee income on loans, total | RIAD4010 | $798K |
| Total interest expense | RIAD4073 | $688K |
| Salaries and employee benefits | RIAD4135 | $493K |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $362K |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $332K |
| Other noninterest expense | RIAD4092 | $320K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $315K |
| Interest on other securities | RIAD4060 | $198K |
| Savings deposits (including mmdas) | RIAD0093 | $179K |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $175K |
| Interest and fee income on loans to finance agricultural production and other loans to farmers in domestic offices | RIAD4024 | $175K |
| Interest income on balances due from depository institutions | RIAD4115 | $151K |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $148K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $113K |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $107K |
| Expenses of premises and fixed assets | RIAD4217 | $101K |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $82K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $81K |
| Total noninterest income | RIAD4079 | $75K |
| Interest income on federal funds sold and securities purchased under agreements to resell | RIAD4020 | $72K |
| Income (loss) before discontinued operations | RIAD4300 | $62K |
| Net income (loss) | RIAD4340 | $62K |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | $62K |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | $54K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $54K |
| Other noninterest income | RIADB497 | $41K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $34K |
| Interest and dividend income on securities, U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RIADB488 | $25K |
| Applicable income taxes | RIAD4302 | -$8K |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $6K |
| Other interest income | RIAD4518 | $5K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 8 |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · Root River State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale amortized cost | RCONG314 | $13.4M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale fair value | RCONG315 | $13.1M |
| Total amortized cost of available-for-sale securities | RCON1772 | $43.6M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $16.8M |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $14.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $10.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $8.8M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through fifteen years | RCONA553 | $8.7M |
| Pledged securities | RCON0416 | $8.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $6.4M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through 15 years | RCONA559 | $5.9M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA552 | $4.3M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA551 | $3.0M |
| Fixed rate and floating rate debt securities with a remaining maturity of one year or less | RCONA248 | $2.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.6M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA558 | $1.5M |
| Amortized cost of available-for-sale U.S. treasury securities | RCON1286 | $1.5M |
| Fair value of available-for-sale U.S. treasury securities | RCON1287 | $1.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $1.4M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA550 | $1.3M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA557 | $1.1M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing of over ffteen years | RCONA554 | $726K |
| Total fair value of held-to-maturity securities | RCON1771 | $591K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA556 | $426K |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of three months of less | RCONA549 | $348K |
| Amortized cost of held-to-maturity securities issued by states and political subdivisions in the U.S. | RCON8496 | $336K |
| Fair value of held-to-maturity securities issued by states and political subdivisions in the U.S. | RCON8497 | $335K |
| Mortgage-backed securities (MBS), commercial MBS, commercial mortgage pass-through securities, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale amortized cost | RCONK144 | $244K |
| Mortgage-backed securities (MBS), commercial MBS, commercial mortgage pass-through securities, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale fair value | RCONK145 | $223K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $184K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $180K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $82K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $76K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over 15 years | RCONA560 | $75K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of three months or less | RCONA555 | $55K |
Schedule RC-C, Part I: Loans and Leases (24 items)
About Schedule RC-C, Part I · Root River State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $28.3M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $11.2M |
| Real estate loans secured by farmland | RCON1420 | $10.1M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA571 | $7.8M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $7.0M |
| Pledged loans and leases | RCONG378 | $5.9M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $5.6M |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $5.5M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA572 | $4.7M |
| Commercial and industrial loans | RCON1766 | $3.1M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $2.4M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA570 | $2.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $2.0M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $1.9M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA574 | $1.2M |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $1.2M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA565 | $807K |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $522K |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $374K |
| Loans secured by 1-4 family residential construction | RCONF158 | $250K |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $74K |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $61K |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $51K |
| Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper), other revolving credit plans | RCONB539 | $15K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5583 | $2.6M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5589 | $2.3M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5585 | $1.8M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5569 | $1.4M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5587 | $1.3M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5581 | $1.1M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $1.1M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5573 | $890K |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5567 | $840K |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5575 | $450K |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $225K |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5579 | $89K |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5584 | 73 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 56 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5586 | 13 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5580 | 11 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5582 | 11 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5588 | 9 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5572 | 8 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 6 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 5 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5578 | 3 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 3 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5574 | 1 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Root River State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $48.1M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $41.3M |
| Total transaction accounts | RCON2215 | $32.4M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $29.8M |
| Money market deposit accounts (mmda's) | RCON6810 | $21.1M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $13.4M |
| Total time deposits of less than $100,000 | RCON6648 | $9.4M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $9.0M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $7.8M |
| Total demand deposits (see note below) | RCON2210 | $7.7M |
| Total reciprocal deposits | RCONJH83 | $7.1M |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $6.6M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $5.9M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $5.9M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $4.4M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $3.8M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $3.6M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $3.6M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $2.5M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $2.4M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of three months or less | RCONHK12 | $2.3M |
| Sweep deposits, Fully insured, non-affiliate sweep deposits | RCONMT91 | $1.1M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $1.1M |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $834K |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three years | RCONHK10 | $356K |
| Total nontransaction accounts of commercial banks and other depository institutions in the U.S. | RCONB552 | $247K |
Schedule RC-F: Other Assets (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life insurance assets, general account life insurance assets | RCONK201 | $2.4M |
| Other assets | RCON2168 | $1.2M |
| First itemized amount that exceeds 25% of all other assets (2168) | RCON3549 | $1.1M |
| Accrued interest receivable | RCONB556 | $570K |
| Historical cost of all other available-for-sale equity securities | RCON1752 | $164K |
| Prepaid expenses | RCON2166 | $90K |
| Net deferred tax assets | RCON2148 | $31K |
| Computer software | RCONFT33 | $29K |
| Second itemized amount that exceeds 25% of all other assets (2168) | RCON3550 | $6K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $124K |
| Other expenses accrued and unpaid | RCON3646 | $26K |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $7K |
| All other liabilities | RCON2938 | $6K |
| First itemized amount that exceeds 25% of all other liabilities (2938) or (2942) | RCON3552 | $6K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Root River State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $90.2M |
| Quarterly average of total loans | RCON3360 | $27.6M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $25.7M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $24.4M |
| Mortgage-backed securities | RCONB559 | $23.6M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $18.4M |
| All other securities | RCONB560 | $17.5M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $13.6M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $9.7M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $6.0M |
| Quarterly average of loans to finance agricultural production and other loans to farmers | RCON3386 | $5.2M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $4.8M |
| Quarterly average of federal funds sold and securities purchased under agreements to resell | RCON3365 | $4.0M |
| U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RCONB558 | $3.4M |
| Quarterly average of commercial and industrial loans | RCON3387 | $2.8M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $112K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Root River State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other unused commitments, all other unused commitments | RCONJ459 | $1.6M |
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $87K |
| Financial standby letters of credit and foreign office guarantees | RCON3819 | $7K |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $1K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Root River State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $218K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Root River State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $90.2M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $80.6M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $53.3M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $24.8M |
| Average tangible equity for the calendar quarter | RCONK654 | $8.8M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $2.1M |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $384K |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 2,467 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 146 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 42 |
| Averaging method used | RCONK653 | 1 |
| Number of retirement deposit accounts of more than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Root River State Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve - 100% | RCONB704 | $44.9M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Root River State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $90.2M |
| Average total assets (net of deductions) | RCOAA224 | $90.2M |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $44.9M |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $9.0M |
| Common equity tier 1 capital | RCOAP859 | $8.8M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $8.8M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $8.8M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $6.2M |
| Retained Earnings | RCOAKW00 | $5.0M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $3.8M |
| Accumulated other comprehensive income | RCOAB530 | -$2.6M |
| Less, net unrealized gains (losses) on available-for-sale debt securities (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP844 | -$2.6M |
| General loan and lease valuation allowances | RCOA5310 | $256K |
| Tier 2 (supplementary) capital | RCOA5311 | $256K |
| Tier 2 capital before deductions | RCOAP870 | $256K |
| Deferred tax assets (DTAS) that arise from net operating loss and tax credit carryforwards, net of any related valuation allowances and net of dtls | RCOAP843 | $17K |
| Less, deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.B, 11, 13 through 17 and certain elements of item 24 - see instructions) | RCOAP875 | $17K |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.2011 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.1954 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.1954 |
| Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments, capital conservation buffer | RCOAH311 | 0.1211 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.0973 |
Schedule RC-R, Part II: Risk-Weighted Assets (45 items)
About Schedule RC-R, Part II · Root River State Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold | RCONS580 | $44.9M |
| Total risk-weighted assets | RCONG641 | $44.9M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 20 pct risk weight category | RCONG631 | $43.4M |
| Total balance sheet assets - 20 pct risk weight category | RCOND988 | $43.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $39.9M |
| Available-for-sale securities - 20 pct risk weight category | RCOND968 | $34.1M |
| Risk-weighted assets by risk-weighted category - 100 pct risk weight category | RCONG637 | $31.3M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 100 pct risk weight category | RCONG633 | $31.3M |
| Total balance sheet assets - 100 pct risk weight category | RCOND990 | $30.9M |
| Loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual - 100 pct risk weight category | RCONS454 | $22.4M |
| Total loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual | RCONS449 | $22.4M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 50 pct risk weight category | RCONG632 | $9.8M |
| Total balance sheet assets - 50 pct risk weight category | RCOND989 | $9.8M |
| Total cash and balances due from depository institutions | RCOND957 | $9.5M |
| Risk-weighted assets by risk-weighted category - 20 pct risk weight category | RCONG635 | $8.7M |
| Cash and balances due from depository institutions - 20 pct risk weight category | RCOND959 | $8.6M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 0 pct risk weight category | RCONG630 | $6.6M |
| Total balance sheet assets - 0 pct risk weight category | RCOND987 | $6.6M |
| Loans and leases, net of unearned income, residential mortgage exposures - 50 pct risk weight category | RCONS442 | $5.9M |
| Total loans and leases, net of unearned income, residential mortgage exposures | RCONS439 | $5.9M |
| Available-for-sale securities - 0 pct risk weight category | RCOND967 | $5.6M |
| Risk-weighted assets by risk-weighted category - 50 pct risk weight category | RCONG636 | $4.9M |
| Total all other assets | RCOND981 | $4.7M |
| All other assets - 100 pct risk weight category | RCOND985 | $4.5M |
| Federal funds sold in domestic offices | RCOND971 | $4.0M |
| Federal funds sold in domestic offices - 100 pct risk weight category | RCOND974 | $4.0M |
| Total balance sheet assets - adjustments to total reported in column a | RCONS500 | -$3.9M |
| Available-for-sale securities - 50 pct risk weight category | RCOND969 | $3.9M |
| Available-for-sale securities - adjustment to totals reported in column a | RCONS402 | -$3.7M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, face, notional or other amount | RCONS525 | $1.4M |
| Cash and balances due from depository institutions - 0 pct risk weight category | RCOND958 | $898K |
| Total held-to-maturity securities | RCOND961 | $602K |
| Held-to-maturity securities - 20 pct risk weight category | RCOND963 | $520K |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, 100% | RCONS530 | $291K |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, credit equivalent amount | RCONS526 | $289K |
| Unused commitments, original maturity exceeding one year - face, notional, or other amount | RCONG624 | $206K |
| All other assets - 20 pct risk weight category | RCOND983 | $150K |
| Unused commitments, original maturity exceeding one year - 100 pct risk weight category | RCONG629 | $103K |
| Unused commitments, original maturity exceeding one year - credit equivalent amount | RCONG625 | $103K |
| Held-to-maturity securities - 0 pct risk weight category | RCOND962 | $82K |
| All other assets - 50 pct risk weight category | RCOND984 | $57K |
| All other assets - 0 pct risk weight category | RCOND982 | $14K |
| Financial standby letters of credit - 100 pct risk weight category | RCOND996 | $7K |
| Financial standby letters of credit - credit equivalent amount | RCOND992 | $7K |
| Financial standby letters of credit - face, notional, or other amount | RCOND991 | $7K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance end of previous calendar year as restated | RIADB508 | $6.3M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $6.3M |
| Total equity capital | RIAD3210 | $6.2M |
| Other comprehensive income | RIADB511 | -$171K |
| Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions) | RIADB509 | -$29K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Root River State Bank changes in allowances for credit losses trends
Root River State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Root River State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 1098) · FFIEC NIC profile (RSSD 309851)