Total Assets
$408M
Total balance-sheet footings
FDIC Cert #8537 · Saint Paul, Minnesota · Est. 1908
BankCherokee - FDIC Bank Health Profile
A community-scale look at BankCherokee's own numbers, pulled straight from its quarterly FDIC Call Report.
- $408M
- Total assets
- B
- Health grade · Good
- 0.68%
- Return on assets
- 14.1%
- Tier 1 capital
Data updated July 2026
The verdict
BankCherokee earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.14% Tier 1, 0.68% ROA, 75% efficiency ratio.
- #2,061
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 14.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How BankCherokee's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
BankCherokee's composite health score
Tier 1 Capital Ratio (14.14%) 35/40
Return on Assets (ROA) (0.68%) 14/25
Texas Ratio (2.85%) 20/20
Efficiency Ratio (75.28%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$338M
Customer-funded liabilities
Net Loans
$281M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BankCherokee ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BankCherokee's score of 73/100 falls in the highlighted band.
BankCherokee's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BankCherokee's $408M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.14%
Texas Ratio
2.85%
Equity Capital
$33M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.68%
Return on Equity (ROE)
8.82%
Efficiency Ratio
75.28%
What the numbers say about BankCherokee
BankCherokee is an FDIC-insured institution (Certificate #8537) headquartered in Saint Paul, Minnesota, established in 1908. It holds $408M in total assets - 2,061st of 4,313 FDIC-insured banks, $338M in customer deposits, and $281M in net loans. Looking at capital strength, Tier 1 stands at 14.14%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.85%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, BankCherokee ranks 64th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$19M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BankCherokee reports a Texas Ratio of 2.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BankCherokee (FDIC Cert #8537) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is BankCherokee's health grade?▼
BankCherokee receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is BankCherokee?▼
BankCherokee holds $408M in total assets and $338M in deposits, ranking 2,061st of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Paul, Minnesota.
Is my money safe at BankCherokee?▼
Yes, deposits at BankCherokee (Certificate #8537) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BankCherokee's Tier 1 Capital Ratio?▼
BankCherokee has a Tier 1 Capital Ratio of 14.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for BankCherokee?▼
BankCherokee has a Texas Ratio of 2.85%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BankCherokee?▼
BankCherokee has an Efficiency Ratio of 75.28%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BankCherokee's profile as a depositor or analyst.
- BankCherokee's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BankCherokee against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.