Total Assets
$118M
Total balance-sheet footings
FDIC Cert #5175 · Kiester, Minnesota · Est. 1889
Global Innovations Bank - FDIC Bank Health Profile
A community-scale look at Global Innovations Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $118M
- Total assets
- C
- Health grade · Fair
- 0.45%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
Global Innovations Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 13.38% Tier 1, 0.45% ROA, 89% efficiency ratio.
- #3,593
- largest of 4,313 FDIC banks by assets
- 17th
- percentile by asset size, nationally
- 13.38%
- Tier 1 ratio - above the 10% well-capitalized line
- 14th
- 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 Global Innovations Bank's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Global Innovations Bank's composite health score
Tier 1 Capital Ratio (13.38%) 35/40
Return on Assets (ROA) (0.45%) 7/25
Texas Ratio (5.45%) 16/20
Efficiency Ratio (88.78%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$109M
Customer-funded liabilities
Net Loans
$58M
Outstanding loan book
Net Income
$448K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Global Innovations Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Global Innovations Bank's score of 58/100 falls in the highlighted band.
Global Innovations 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). Global Innovations Bank's $118M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.38%
Texas Ratio
5.45%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.45%
Return on Equity (ROE)
5.37%
Efficiency Ratio
88.78%
What the numbers say about Global Innovations Bank
Global Innovations Bank is an FDIC-insured institution (Certificate #5175) headquartered in Kiester, Minnesota, established in 1889. It holds $118M in total assets - 3,593rd of 4,313 FDIC-insured banks, $109M in customer deposits, and $58M in net loans. Capital-wise, the Tier 1 ratio sits at 13.38%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 5.45%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Global Innovations Bank is a community-scale institution -- 156th 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
$4M
Interest Income
$5M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Global Innovations Bank reports a Texas Ratio of 5.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.45% - 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) Global Innovations Bank (FDIC Cert #5175) - 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 Global Innovations Bank's health grade?▼
Global Innovations Bank receives a health grade of C (58/100) 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 Global Innovations Bank?▼
Global Innovations Bank holds $118M in total assets and $109M in deposits, ranking 3,593rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Kiester, Minnesota.
Is my money safe at Global Innovations Bank?▼
Yes, deposits at Global Innovations Bank (Certificate #5175) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Global Innovations Bank's Tier 1 Capital Ratio?▼
Global Innovations Bank has a Tier 1 Capital Ratio of 13.38%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Global Innovations Bank?▼
Global Innovations Bank has a Texas Ratio of 5.45%. 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 Global Innovations Bank?▼
Global Innovations Bank has an Efficiency Ratio of 88.78%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Global Innovations Bank's profile as a depositor or analyst.
- Global Innovations Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Global Innovations 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.