State Bank of Taunton
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Taunton is an FDIC-insured commercial bank headquartered in Taunton, MN, established in 1905 (FDIC certificate 16906), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $46.6M, down 4.2% from Q2 2025, the 207th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 19.24% 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
- 16906
- Headquarters
- Taunton, MN
- Established
- 1905
- Total assets, Q2 2026
- $46.6M
- Assets vs Q2 2025
- -4.2%
- CET1 ratio, Q2 2026
- 19.24%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091209535
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Taunton Q3 2026 call report, filed October 8, 2026 (preliminary)
- Holding company
- TAUNTON BANCSHARES, INC.
- Asset rank in state
- 207th of 221 in Minnesota
Problem loans are rising at State Bank of Taunton. It reported $47 million in assets at June 30, 2026, down 4.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.06% of loans from 0.00% a year earlier. It carries problem assets equal to 20.3% of the capital and reserves that would absorb them, 10.5 times the median of 1.9% for the 533 banks with less than $100 million in assets. It also shrank its loan book 20.6% over the year, lower than about 9 in 10 banks its size (median 2.6%).
The balance sheet shrank over the year: over the year loans fell 20.6% and deposits fell 5.2%. Unrealized losses on its securities total $1.5 million, equal to 24% of Tier 1 capital, against 27% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, State Bank of Taunton reported a CET1 capital ratio of 19.24%, a return on assets of 0.81%, a nonperforming-loan ratio of 4.06% and a Texas ratio of 20.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of Taunton is the 207th largest of the 221 banks headquartered in Minnesota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $46.6M, loans rose 0.8% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 42.1% of total loans, followed by construction and land development loans at 16.7%. Its one office in the FDIC Summary of Deposits is in Taunton, MN. By the capital ratios in its Q2 2026 call report, State Bank of Taunton meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Main St, Taunton, MN 56291
- County
- Lyon
- Metro Area
- Marshall, MN
- 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
- February 1, 1905
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $37.1M
- Allowance for credit losses
- $400K
- Net charge-offs (YTD)
- $213K
- Average total assets
- $47.8M
- Average total loans
- $26.3M
- Average interest-bearing deposits
- $28.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1950
- FDIC Cert
- 16906
- Fed RSSD
- 205458
- Website
- www.statebankoftaunton.com →
- Parent Holding Company
- TAUNTON BANCSHARES, INC. (RSSD 3613540)
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
Over the 12 quarters to Q2 2026, State Bank of Taunton's total assets ran between $46.6M (Q2 2026) and $51.9M (Q1 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$46.6M total assets against $48.7M; $41.7M total liabilities against $43.9M.
$26.1M net loans and leases against $33.2M; $37.1M total deposits against $39.2M.
$11.5M securities against $9.9M; $7.5M cash and balances due against $3.6M.
$586K total interest income against $698K; $95K total interest expense against $135K.
$491K net interest income against $563K.
$25K total noninterest income against $20K; $420K total noninterest expense against $605K.
$0 provision for credit losses against $0.
$97K net income against -$19K.
0.81% return on assets against -0.15%; 4.08% net interest margin against 4.57%.
19.24% CET1 capital ratio against 15.12%; 13.39% tier 1 leverage ratio against 13.27%.
Inside the full State Bank of Taunton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
State Bank of Taunton rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.30% (Q4 2025) to 1.21% (Q3 2025) and its net interest margin ran from 3.68% (Q1 2026) to 4.61% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.24% | 0.81% | 4.06% | 20.34% | 4.08% |
| Q1 2026 | 18.95% | 0.65% | 2.75% | 13.42% | 3.68% |
| Q4 2025 | 18.57% | -2.30% | 0.88% | 4.02% | 3.87% |
| Q3 2025 | 17.30% | 1.21% | 0.78% | 4.20% | 4.61% |
| Q2 2025 | 15.12% | -0.15% | 0.00% | 3.17% | 4.57% |
| Q1 2025 | 16.07% | 0.72% | 0.00% | 3.24% | 4.43% |
| Q4 2024 | 15.67% | 0.47% | 1.14% | 7.86% | 4.40% |
| Q3 2024 | 18.18% | 0.63% | 1.21% | 7.34% | 4.52% |
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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 Taunton (main office) | Taunton , MN | 56291 | $37.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 258 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Taunton
What are State Bank of Taunton's total assets?
As of the Q2 2026 filing, State Bank of Taunton reported total assets of $46.6 million in its FFIEC call report.
Where is State Bank of Taunton headquartered?
It is headquartered in Taunton, MN, United States.
When was State Bank of Taunton founded?
It was established in 1905, per the FDIC institution directory.
Is State Bank of Taunton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16906). 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 Taunton?
State Bank of Taunton's primary federal regulator is the FDIC.
What is State Bank of Taunton's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.24% 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 Taunton 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 Taunton's Texas Ratio?
Its Texas Ratio is 20.34% 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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