State Bank of Easton
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Easton is an FDIC-insured commercial bank headquartered in Easton, MN, established in 1934 (FDIC certificate 16561), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $28.4M, up 3.0% from Q2 2025, the 220th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 19.20% 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
- 16561
- Headquarters
- Easton, MN
- Established
- 1934
- Total assets, Q2 2026
- $28.4M
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 19.20%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091216081
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Easton call report
- Holding company
- EASTON BANCSHARES, INCORPORATED
- Asset rank in state
- 220th of 221 in Minnesota
State Bank of Easton, based in Easton, Minnesota, reported $28 million in assets at June 30, 2026, up 3.0% from a year earlier. It grew its loan book 18.1% over the year, 7.1 times the median of 2.6% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 7.6% of the capital and reserves that would absorb them, 5.5 times the median of 1.4% for banks its size.
Loans are outrunning deposits: over the year loans rose 18.1% and deposits rose 3.7%. The commercial and industrial book ($3.0 million) is worsening: 3.78% of it is past due or on nonaccrual, up from 3.28% a year earlier. Funding is the softer spot: it pays an average of 2.10% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, State Bank of Easton reported a CET1 capital ratio of 19.20%, a return on assets of 1.51%, a nonperforming-loan ratio of 1.60% and a Texas ratio of 7.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of Easton is the 220th largest of the 221 banks headquartered in Minnesota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.8% to $28.4M, loans rose 4.2% and deposits fell 3.8%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 34.8% of total loans, ahead of commercial and industrial loans at 15.0%. The FDIC Summary of Deposits lists a single office for it, in Easton, MN. Judged on its Q2 2026 call report, State Bank of Easton meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 50 Main St, Easton, MN 56025
- County
- Faribault
- 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
- May 21, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 3
- Domestic deposits
- $23.6M
- Allowance for credit losses
- $283K
- Net charge-offs (YTD)
- -$39K
- Average total assets
- $28.6M
- Average total loans
- $19.4M
- Average interest-bearing deposits
- $18.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 1947
- FDIC Cert
- 16561
- Fed RSSD
- 379050
- Website
- statebankeaston.com →
- Parent Holding Company
- EASTON BANCSHARES, INCORPORATED (RSSD 1134863)
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 Easton's total assets ranged from $27.3M (Q3 2023) to $29.5M (Q1 2026), 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
$28.4M total assets against $27.5M; $24.5M total liabilities against $23.9M.
$19.6M net loans and leases against $16.6M; $23.6M total deposits against $22.7M.
$3.4M securities against $5.7M; $4.4M cash and balances due against $4.3M.
$401K total interest income against $372K; $126K total interest expense against $125K.
$275K net interest income against $247K.
$11K total noninterest income against $11K; $169K total noninterest expense against $145K.
$0 provision for credit losses against $0.
$108K net income against $107K.
1.51% return on assets against 1.52%; 4.05% net interest margin against 3.69%.
19.20% CET1 capital ratio against 19.64%; 13.76% tier 1 leverage ratio against 13.20%.
Inside the full State Bank of Easton 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 0.28% (Q4 2024) to 1.52% (Q2 2025) and its net interest margin ran from 3.24% (Q4 2024) to 4.05% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.20% | 1.51% | 1.60% | 7.59% | 4.05% |
| Q1 2026 | 19.32% | 1.38% | 2.19% | 10.14% | 3.87% |
| Q4 2025 | 18.92% | 1.00% | 1.70% | 7.66% | 3.89% |
| Q3 2025 | 18.97% | 1.27% | 1.69% | 7.65% | 3.83% |
| Q2 2025 | 19.64% | 1.52% | 1.53% | 6.53% | 3.69% |
| Q1 2025 | — | 1.06% | 2.10% | 8.97% | 3.43% |
| Q4 2024 | 18.42% | 0.28% | 1.97% | 9.50% | 3.24% |
| Q3 2024 | 19.72% | 1.48% | 1.17% | 5.34% | 3.74% |
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 Easton (main office) | Easton , MN | 56025 | $23.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 273 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $450K approved, $450K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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 Easton
What are State Bank of Easton's total assets?
As of the Q2 2026 filing, State Bank of Easton reported total assets of $28.4 million in its FFIEC call report.
Where is State Bank of Easton headquartered?
It is headquartered in Easton, MN, United States.
When was State Bank of Easton founded?
It was established in 1934, per the FDIC institution directory.
Is State Bank of Easton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16561). 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 Easton?
State Bank of Easton's primary federal regulator is the FDIC.
What is State Bank of Easton's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.20% 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 Easton 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 Easton's Texas Ratio?
Its Texas Ratio is 7.59% 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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