State Bank of Chandler
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Chandler is an FDIC-insured commercial bank headquartered in Chandler, MN, supervised by the FDIC, with $68.7M in total assets at Q2 2026, up 2.5% from Q2 2025, the 194th largest of 221 banks headquartered in Minnesota. It was established in 1902 and holds FDIC certificate 8858. Its CET1 capital ratio was 16.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8858
- Headquarters
- Chandler, MN
- Established
- 1902
- Total assets, Q2 2026
- $68.7M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 16.19%
- Domestic offices
- 1 · State Bank of Chandler branches FDIC institution directory, current count
- Routing number
- 091206842
- Safety and soundness
- Is State Bank of Chandler safe?
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Chandler Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- CHANDLER BANCSHARES, INC.
- Asset rank in state
- 194th of 221 in Minnesota
State Bank of Chandler runs leaner than most banks of its size. It reported $69 million in assets at June 30, 2026, up 2.5% from a year earlier. It spends about 47 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 69 cents). It also holds commercial real estate loans equal to only 5% of its capital, a small fraction of the median of 30% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.95% of loans from 1.74%. Net income for the quarter rose 22% from a year earlier, to $280,000.
As of June 30, 2026, State Bank of Chandler reported a CET1 capital ratio of 16.19%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.95% and a Texas ratio of 5.32%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of Chandler is the 194th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $68.7M, loans rose 2.7% and deposits rose 0.1%. Agricultural production loans made up 46.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 30.5%. Its one office in the FDIC Summary of Deposits is in Chandler, MN. By the capital ratios in its Q2 2026 call report, State Bank of Chandler meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 342 Main Ave, Chandler, MN 56122
- County
- Murray
- 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, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $60.2M
- Allowance for credit losses
- $741K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $68.3M
- Average total loans
- $47.0M
- Average interest-bearing deposits
- $45.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8858
- Fed RSSD
- 112556
- Website
- www.statebankofchandler.bank →
- Parent Holding Company
- CHANDLER BANCSHARES, INC. (RSSD 1843688)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank of Chandler's total assets ranged from $64.5M (Q2 2024) to $70.1M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$68.7M total assets against $67.0M; $61.0M total liabilities against $59.3M.
$46.7M net loans and leases against $44.2M; $60.2M total deposits against $58.5M.
$9.8M securities against $10.1M; $10.4M cash and balances due against $11.0M.
$975K total interest income against $965K; $293K total interest expense against $334K.
$682K net interest income against $631K.
$56K total noninterest income against $52K; $350K total noninterest expense against $362K.
$0 provision for credit losses against $0.
$280K net income against $229K.
1.64% return on assets against 1.37%; 4.08% net interest margin against 3.90%.
16.19% CET1 capital ratio against 17.12%; 11.59% tier 1 leverage ratio against 12.00%.
Inside the full State Bank of Chandler 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 0.95% (Q3 2024) to 1.64% (Q2 2026) and its net interest margin ran from 3.41% (Q3 2024) to 4.08% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.19% | 1.64% | 0.95% | 5.32% | 4.08% |
| Q1 2026 | 16.12% | 1.34% | 1.16% | 6.57% | 3.99% |
| Q4 2025 | 15.42% | 1.21% | 1.55% | 9.08% | 4.05% |
| Q3 2025 | 17.57% | 1.28% | 1.41% | 7.24% | 3.83% |
| Q2 2025 | 17.12% | 1.37% | 1.74% | 9.25% | 3.90% |
| Q1 2025 | 16.95% | 1.29% | 0.00% | 0.00% | 3.78% |
| Q4 2024 | 16.08% | 1.25% | 0.00% | 0.00% | 3.73% |
| Q3 2024 | 16.78% | 0.95% | 0.00% | 0.00% | 3.41% |
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 |
|---|---|---|---|
| State Bank of Chandler (main office) | Chandler , MN | 56122 | $60.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 236 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 State Bank of Chandler
What are State Bank of Chandler's total assets?
As of the Q2 2026 filing, State Bank of Chandler reported total assets of $68.7 million in its FFIEC call report.
Where is State Bank of Chandler headquartered?
It is headquartered in Chandler, MN, United States.
When was State Bank of Chandler founded?
It was established in 1902, per the FDIC institution directory.
Is State Bank of Chandler FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Chandler?
State Bank of Chandler's primary federal regulator is the FDIC.
What is State Bank of Chandler's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank of Chandler 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 State Bank of Chandler's Texas Ratio?
Its Texas Ratio is 5.32% 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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