Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #6063 · Mitchell, South Dakota · Est. 1930
CorTrust Bank National Association - FDIC Bank Health Profile
A community-scale look at CorTrust Bank National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- B
- Health grade · Good
- 0.53%
- Return on assets
- 13.3%
- Tier 1 capital
Data updated July 2026
The verdict
CorTrust Bank National Association earns a PlainBankData health grade of B (69/100), with well-capitalized at 13.33% Tier 1, 0.53% ROA, 78% efficiency ratio.
- #748
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 13.33%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How CorTrust Bank National Association's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
CorTrust Bank National Association's composite health score
Tier 1 Capital Ratio (13.33%) 35/40
Return on Assets (ROA) (0.53%) 14/25
Texas Ratio (6.62%) 16/20
Efficiency Ratio (77.71%) 4/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$998M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where CorTrust Bank National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CorTrust Bank National Association's score of 69/100 falls in the highlighted band.
CorTrust Bank National Association'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). CorTrust Bank National Association's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.33%
Texas Ratio
6.62%
Equity Capital
$137M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.53%
Return on Equity (ROE)
6.04%
Efficiency Ratio
77.71%
What the numbers say about CorTrust Bank National Association
CorTrust Bank National Association is an FDIC-insured institution (Certificate #6063) headquartered in Mitchell, South Dakota, established in 1930. It holds $1.5B in total assets - 748th of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $998M in net loans. On safety, its Tier 1 capital ratio of 13.33% is above the 10% well-capitalized threshold, and its Texas Ratio of 6.62% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (69/100), 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 South Dakota, CorTrust Bank National Association ranks 15th of 56 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$73M
Interest Income
$17M
Non-Interest Income
$54M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. CorTrust Bank National Association reports a Texas Ratio of 6.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CorTrust Bank National Association (FDIC Cert #6063) - 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 South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is CorTrust Bank National Association's health grade?▼
CorTrust Bank National Association receives a health grade of B (69/100) 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 CorTrust Bank National Association?▼
CorTrust Bank National Association holds $1.5B in total assets and $1.3B in deposits, ranking 748th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mitchell, South Dakota.
Is my money safe at CorTrust Bank National Association?▼
Yes, deposits at CorTrust Bank National Association (Certificate #6063) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is CorTrust Bank National Association's Tier 1 Capital Ratio?▼
CorTrust Bank National Association has a Tier 1 Capital Ratio of 13.33%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for CorTrust Bank National Association?▼
CorTrust Bank National Association has a Texas Ratio of 6.62%. 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 CorTrust Bank National Association?▼
CorTrust Bank National Association has an Efficiency Ratio of 77.71%. 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 CorTrust Bank National Association's profile as a depositor or analyst.
- CorTrust Bank National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare CorTrust Bank National Association against other South Dakota banks before moving funds. South Dakota 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.