Strasburg State Bank
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Data as of · sourced from FFIEC call reports. How we update
Strasburg State Bank is an FDIC-insured commercial bank headquartered in Strasburg, ND, established in 1958 (FDIC certificate 17922), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $104.2M, up 7.2% from Q2 2025, the 47th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 13.67% 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
- 17922
- Headquarters
- Strasburg, ND
- Established
- 1958
- Total assets, Q2 2026
- $104.2M
- Assets vs Q2 2025
- +7.2%
- CET1 ratio, Q2 2026
- 13.67%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091311041
- Latest call report
- Q2 2026, FFIEC 051 · Strasburg State Bank call report
- Holding company
- STRASBURG BANSHARES, INC.
- Asset rank in state
- 47th of 60 in North Dakota
Strasburg State Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $104 million at June 30, 2026, up 7.2% from a year earlier; it is based in Strasburg, North Dakota. It funds 8.67% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it holds commercial real estate loans equal to only 6% of its capital, a small fraction of the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 0.9% and deposits rose 7.6%. Its margin is thin by comparison: it keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Strasburg State Bank reported a CET1 capital ratio of 13.67%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 60 banks headquartered in North Dakota, Strasburg State Bank is the 47th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.4% to $104.2M, loans fell 1.2% and deposits fell 5.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 62.9% of total loans, ahead of farmland and other real estate loans at 30.7%. The FDIC Summary of Deposits lists a single office for it, in Strasburg, ND. Judged on its Q2 2026 call report, Strasburg State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 720 Main St, Strasburg, ND 58573
- County
- Emmons
- 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
- November 12, 1958
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $93.4M
- Allowance for credit losses
- $221K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $107.0M
- Average total loans
- $44.9M
- Average interest-bearing deposits
- $80.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 12, 1958
- FDIC Cert
- 17922
- Fed RSSD
- 890957
- Website
- www.strasburgstatebank.com →
- Parent Holding Company
- STRASBURG BANSHARES, INC. (RSSD 1125692)
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
Strasburg State Bank's total assets moved between a low of $90.5M (Q3 2023) and a high of $109.0M (Q1 2026) from Q3 2023 to Q2 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
$104.2M total assets against $97.2M; $94.9M total liabilities against $88.2M.
$44.6M net loans and leases against $44.9M; $93.4M total deposits against $86.8M.
$24.1M securities against $21.5M; $32.2M cash and balances due against $27.6M.
$1.2M total interest income against $1.2M; $471K total interest expense against $474K.
$756K net interest income against $745K.
$26K total noninterest income against -$2K; $416K total noninterest expense against $392K.
No provision recorded in the last 12 quarters.
$312K net income against $321K.
1.17% return on assets against 1.27%; 3.09% net interest margin against 3.22%.
13.67% CET1 capital ratio against 14.05%; 8.67% tier 1 leverage ratio against 8.89%.
Inside the full Strasburg State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStrasburg State Bank rankings
Its closest position to the top of a national ranking is 969 of 3,606, for efficiency ratio; its furthest is 3,638 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q4 2024) to 1.34% (Q3 2024) and its net interest margin ran from 3.06% (Q1 2025) to 3.46% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.67% | 1.17% | 0.00% | 0.00% | 3.09% |
| Q1 2026 | 12.70% | 1.15% | 0.00% | 0.00% | 3.16% |
| Q4 2025 | 12.62% | 0.84% | 0.00% | 0.00% | 3.46% |
| Q3 2025 | 13.34% | 1.27% | 0.00% | 0.00% | 3.44% |
| Q2 2025 | 14.05% | 1.27% | 0.00% | 0.00% | 3.22% |
| Q1 2025 | 13.72% | 1.17% | 0.00% | 0.00% | 3.06% |
| Q4 2024 | 13.91% | 0.50% | 0.00% | 0.00% | 3.19% |
| Q3 2024 | 15.34% | 1.34% | 0.00% | 0.00% | 3.26% |
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 |
|---|---|---|---|
| Strasburg State Bank (main office) | Strasburg , ND | 58573 | $93.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in ND, rank 54 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (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 Strasburg State Bank
What are Strasburg State Bank's total assets?
As of the Q2 2026 filing, Strasburg State Bank reported total assets of $104.2 million in its FFIEC call report.
Where is Strasburg State Bank headquartered?
It is headquartered in Strasburg, ND, United States.
When was Strasburg State Bank founded?
It was established in 1958, per the FDIC institution directory.
Is Strasburg State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Strasburg State Bank?
Strasburg State Bank's primary federal regulator is the FDIC.
What is Strasburg State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Strasburg State Bank 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 Strasburg State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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