FDIC Cert #57336 · Saint Paul, Minnesota · Est. 2002

Drake Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$255M
Total assets
D
Health grade · Weak
-0.19%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

Drake Bank earns a PlainBankData health grade of D (46/100), with well-capitalized at 10.55% Tier 1, -0.19% ROA, 68% efficiency ratio.

#2,715
largest of 4,313 FDIC banks by assets
37th
percentile by asset size, nationally
10.55%
Tier 1 ratio - above the 10% well-capitalized line
4th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 57336 · MN D · 46/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (46/100)
  • BOTTOM-DECILE #4177/4307
  • PHOTO-FINISH Carter Bank & Trust · VA
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-HEALTHY 23.8% Texas
  • ROA-LOSS -0.19% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Carter Bank & Trust, VA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Drake Bank

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Ameristate Bank · OK · near46/100BCB Community Bank · NJ · ne…46/100Border Bank · ND · near46/100Carter Bank & Trust · VA · n…46/100Drake Bank · MN · this bank46/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Drake Bank · July 2026

Call Report read for Drake Bank in a high-failure state

Drake Bank (FDIC Cert #57336) carries a PlainBankData health grade of D at 46/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,177 of 4,307. Tier 1 capital prints at 10.55%, clearing the 10% well-capitalized line. The Texas Ratio is 23.85%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.19%. Balance-sheet scale is $255M, 2,715th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Carter Bank & Trust (VA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Drake Bank

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Drake Bank sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Drake Bank's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How Drake Bank's 46/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10046/100
Drake Bank's composite health score
Tier 1 Capital Ratio (10.55%) 28/40
Return on Assets (ROA) (-0.19%) 0/25
Texas Ratio (23.85%) 10/20
Efficiency Ratio (68.04%) 8/15

46 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$255M

Total balance-sheet footings

Total Deposits

$216M

Customer-funded liabilities

Net Loans

$196M

Outstanding loan book

Net Income

$-509K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.15% 10.55% 11.95%
Basel III capital ratios - Drake Bank

Where Drake Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Drake Bank's score of 46/100 falls in the highlighted band.

Drake Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

46 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Drake Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Drake 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). Drake Bank's $255M falls in the highlighted band.

Capital & credit buffers at Drake Bank

Tier 1 capital ratio
Well-capitalized 10%

10.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.55%
Texas Ratio
23.85%
Equity Capital
$20M

What these ratios mean →

Profitability metrics: Drake Bank

Return on Assets (ROA)
4th percentile nationally
-0.19%
Return on Equity (ROE)
-2.53%
Efficiency Ratio
68.04%

What these mean →

Income & expense: loss period at Drake Bank

$17M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Drake Bank reports a Texas Ratio of 23.85% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

23.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Drake Bank

Drake Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-509K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Drake Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Drake Bank on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($255M here), outside Minnesota so the neighborhood is not state containment.

Wyoming Community Bank $255M · WY Westside State Bank $255M · IA First Security Bank and Trust Company $255M · OK Citizens State Bank $254M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Drake Bank (FDIC Cert #57336) - 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.

Drake Bank Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
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%