Total Assets
$102M
Total balance-sheet footings
FDIC Cert #8833 · Currie, Minnesota · Est. 1931
Currie State Bank - FDIC Bank Health Profile
A community-scale look at Currie State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $102M
- Total assets
- C
- Health grade · Fair
- 1.37%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Currie State Bank earns a PlainBankData health grade of C (64/100), with well-capitalized at 10.74% Tier 1, profitable at 1.37% ROA, efficient (59% cost ratio).
- #3,727
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 10.74%
- Tier 1 ratio - above the 10% well-capitalized line
- 68th
- 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 Currie State Bank's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Currie State Bank's composite health score
Tier 1 Capital Ratio (10.74%) 28/40
Return on Assets (ROA) (1.37%) 20/25
Texas Ratio (43.44%) 4/20
Efficiency Ratio (58.66%) 12/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$89M
Customer-funded liabilities
Net Loans
$95M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Currie State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Currie State Bank's score of 64/100 falls in the highlighted band.
Currie State Bank'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). Currie State Bank's $102M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.74%
Texas Ratio
43.44%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.37%
Return on Equity (ROE)
13.15%
Efficiency Ratio
58.66%
What the numbers say about Currie State Bank
Currie State Bank is an FDIC-insured institution (Certificate #8833) headquartered in Currie, Minnesota, established in 1931. It holds $102M in total assets - 3,727th of 4,313 FDIC-insured banks, $89M in customer deposits, and $95M in net loans. Its capital position: a Tier 1 ratio of 10.74%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 43.44% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (64 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Currie State Bank is a community-scale institution -- 170th of 227 FDIC-insured banks headquartered in Minnesota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$150K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Currie State Bank reports a Texas Ratio of 43.44% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
43.44% - 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) Currie State Bank (FDIC Cert #8833) - 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 Currie State Bank's health grade?▼
Currie State Bank receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Currie State Bank?▼
Currie State Bank holds $102M in total assets and $89M in deposits, ranking 3,727th of 4,313 FDIC-insured banks by asset size. It is headquartered in Currie, Minnesota.
Is my money safe at Currie State Bank?▼
Yes, deposits at Currie State Bank (Certificate #8833) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Currie State Bank's Tier 1 Capital Ratio?▼
Currie State Bank has a Tier 1 Capital Ratio of 10.74%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Currie State Bank?▼
Currie State Bank has a Texas Ratio of 43.44%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Currie State Bank?▼
Currie State Bank has an Efficiency Ratio of 58.66%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Currie State Bank's profile as a depositor or analyst.
- Currie State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Currie State Bank 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.