Rushford State Bank (incorporated)
Asset quality shifted last quarter — NPLs rose to 3.02% from 2.47% in the prior period. Rushford State Bank (incorporated) is the primary bank subsidiary of its parent holding company, headquartered in Rushford, MN. On its most recent Q1 2026 call report, Rushford State Bank (incorporated) reported $115M in total assets against $107M in deposits. Profitability tracks the broader industry — ROA 0.95%, ROE 14.60%, NIM 3.50%. Regulatory capital is solid — 12.85% CET1 and 13.66% total risk-based capital ratio. Credit metrics show stress — 3.02% NPLs and a 23.24% Texas Ratio above the 100% historical failure threshold. 2 branches make up the footprint.
Headquarters Profile
- Address
- 219 S Mill St, RUSHFORD, MN 55971
- County
- Fillmore
- Metro Area
- ROCHESTER, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- March 7, 1867
- Branches
- 2 domestic
- Employees (FTE)
- 16
- FDIC Cert
- 11411
- Fed RSSD
- 884657
- Website
- www.rushfordstatebank.com →
- Parent Holding Company
- RUSHFORD STATE BANCORP, INC. (RSSD 1132195)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Rushford State Bank (incorporated) rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Rushford State Bank (incorporated)
What are Rushford State Bank (incorporated)'s total assets?
As of the Q1 2026 filing, Rushford State Bank (incorporated) reported total assets of $114.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Rushford State Bank (incorporated) headquartered?
Rushford State Bank (incorporated) is headquartered in RUSHFORD, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Rushford State Bank (incorporated) founded?
Rushford State Bank (incorporated) was established in 1867, per the FDIC institution directory.
Is Rushford State Bank (incorporated) FDIC-insured?
Yes. Rushford State Bank (incorporated) is an FDIC-insured commercial bank (FDIC Certificate #11411). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rushford State Bank (incorporated)?
Rushford State Bank (incorporated)'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Rushford State Bank (incorporated)'s CET1 capital ratio?
Rushford State Bank (incorporated) reported a Common Equity Tier 1 (CET1) capital ratio of 12.85% in its most recent quarterly filing — above regulatory minimums.
How many branches does Rushford State Bank (incorporated) operate?
Rushford State Bank (incorporated) operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Rushford State Bank (incorporated)'s Texas Ratio?
Rushford State Bank (incorporated)'s Texas Ratio is 23.24% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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