Total Assets
$64M
Total balance-sheet footings
FDIC Cert #18719 · Mcgregor, Minnesota · Est. 1963
Grand Timber Bank - FDIC Bank Health Profile
A community-scale look at Grand Timber Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $64M
- Total assets
- B
- Health grade · Good
- 1.46%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
Grand Timber Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.54% Tier 1, profitable at 1.46% ROA, 60% efficiency ratio.
- #4,021
- largest of 4,313 FDIC banks by assets
- 7th
- percentile by asset size, nationally
- 13.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- 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 Grand Timber Bank'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.
Grand Timber Bank's composite health score
Tier 1 Capital Ratio (13.54%) 35/40
Return on Assets (ROA) (1.46%) 20/25
Texas Ratio (18.66%) 10/20
Efficiency Ratio (60.48%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$53M
Customer-funded liabilities
Net Loans
$56M
Outstanding loan book
Net Income
$904K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Grand Timber Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Grand Timber Bank's score of 73/100 falls in the highlighted band.
Grand Timber 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). Grand Timber Bank's $64M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.54%
Texas Ratio
18.66%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.46%
Return on Equity (ROE)
10.95%
Efficiency Ratio
60.48%
What the numbers say about Grand Timber Bank
Grand Timber Bank is an FDIC-insured institution (Certificate #18719) headquartered in Mcgregor, Minnesota, established in 1963. It holds $64M in total assets - 4,021st of 4,313 FDIC-insured banks, $53M in customer deposits, and $56M in net loans. Capital-wise, the Tier 1 ratio sits at 13.54%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 18.66%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Grand Timber Bank is a community-scale institution -- 199th 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
$93K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Grand Timber Bank reports a Texas Ratio of 18.66% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.66% - 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) Grand Timber Bank (FDIC Cert #18719) - 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 Grand Timber Bank's health grade?▼
Grand Timber Bank 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 Grand Timber Bank?▼
Grand Timber Bank holds $64M in total assets and $53M in deposits, ranking 4,021st of 4,313 FDIC-insured banks by asset size. It is headquartered in Mcgregor, Minnesota.
Is my money safe at Grand Timber Bank?▼
Yes, deposits at Grand Timber Bank (Certificate #18719) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Grand Timber Bank's Tier 1 Capital Ratio?▼
Grand Timber Bank has a Tier 1 Capital Ratio of 13.54%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Grand Timber Bank?▼
Grand Timber Bank has a Texas Ratio of 18.66%. 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 Grand Timber Bank?▼
Grand Timber Bank has an Efficiency Ratio of 60.48%. 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 Grand Timber Bank's profile as a depositor or analyst.
- Grand Timber Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Grand Timber 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.