Bank Safety Analysis
Root River State Bank: final safety record
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Net interest margin rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 2.28% against 1.98%. It was the largest change among the key lines on this page. At 19.54%, Root River State Bank's CET1 ratio is close to the 19.96% median for banks in the < $100M asset tier (Q2 2026). From Q3 2023 to Q2 2026, Root River State Bank's CET1 ratio ranged between 19.16% (Q3 2024) and 20.20% (Q1 2024) and its Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, Root River State Bank's CET1 ratio fell from 19.63% to 19.54%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets rose from 0.13% to 0.27%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
CET1 of 19.54% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.73% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 84.4% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 19.54% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 35.14% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 16.38% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.18% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 19.54% |
| Q1 2026 | 19.98% |
| Q4 2025 | 19.65% |
| Q3 2025 | 20.11% |
| Q2 2025 | 19.63% |
| Q1 2025 | 19.46% |
| Q4 2024 | 19.58% |
| Q3 2024 | 19.16% |
| Q2 2024 | 19.41% |
| Q1 2024 | 20.20% |
| Q4 2023 | 19.26% |
| Q3 2023 | 19.61% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Root River State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 19.54% | 0.00% | 0.00% | 0.27% |
| Mar 31, 2026 | 19.98% | 0.00% | 0.00% | 0.00% |
| Dec 31, 2025 | 19.65% | 0.00% | 0.00% | 0.03% |
| Sep 30, 2025 | 20.11% | 0.00% | 0.00% | 0.08% |
| Jun 30, 2025 | 19.63% | 0.00% | 0.00% | 0.13% |
| Mar 31, 2025 | 19.46% | 0.00% | 0.00% | 0.00% |
| Dec 31, 2024 | 19.58% | 0.00% | 0.00% | -0.07% |
| Sep 30, 2024 | 19.16% | 0.00% | 0.00% | -0.07% |
| Jun 30, 2024 | 19.41% | 0.00% | 0.00% | 0.20% |
| Mar 31, 2024 | 20.20% | 0.00% | 0.00% | 0.01% |
| Dec 31, 2023 | 19.26% | 0.00% | 0.00% | -0.01% |
| Sep 30, 2023 | 19.61% | 0.00% | 0.00% | 0.14% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 1098) · FFIEC NIC profile (RSSD 309851)
Explore: Full Root River State Bank profile · Other banks in MN · Metric glossary · How the call report works