Total Assets
$82M
Total balance-sheet footings
FDIC Cert #14574 · Odin, Minnesota · Est. 1904
Odin State Bank - FDIC Bank Health Profile
A community-scale look at Odin State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $82M
- Total assets
- B
- Health grade · Good
- 0.99%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
Odin State Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.95% Tier 1, 0.99% ROA, 62% efficiency ratio.
- #3,886
- largest of 4,313 FDIC banks by assets
- 10th
- percentile by asset size, nationally
- 11.95%
- Tier 1 ratio - above the 10% well-capitalized line
- 42nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Odin State Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Odin State Bank's composite health score
Tier 1 Capital Ratio (11.95%) 28/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (11.80%) 16/20
Efficiency Ratio (62.43%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$74M
Customer-funded liabilities
Net Loans
$63M
Outstanding loan book
Net Income
$785K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Odin State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Odin State Bank's score of 66/100 falls in the highlighted band.
Odin 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). Odin State Bank's $82M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.95%
Texas Ratio
11.80%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
12.93%
Efficiency Ratio
62.43%
What the numbers say about Odin State Bank
Odin State Bank is an FDIC-insured institution (Certificate #14574) headquartered in Odin, Minnesota, established in 1904. It holds $82M in total assets - 3,886th of 4,313 FDIC-insured banks, $74M in customer deposits, and $63M in net loans. On safety, its Tier 1 capital ratio of 11.95% is above the 10% well-capitalized threshold, and its Texas Ratio of 11.80% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), 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.
By assets, Odin State Bank ranks 187th of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$5M
Interest Income
$221K
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. Odin State Bank reports a Texas Ratio of 11.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.80% - 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) Odin State Bank (FDIC Cert #14574) - 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 Odin State Bank's health grade?▼
Odin State Bank receives a health grade of B (66/100) 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 Odin State Bank?▼
Odin State Bank holds $82M in total assets and $74M in deposits, ranking 3,886th of 4,313 FDIC-insured banks by asset size. It is headquartered in Odin, Minnesota.
Is my money safe at Odin State Bank?▼
Yes, deposits at Odin State Bank (Certificate #14574) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Odin State Bank's Tier 1 Capital Ratio?▼
Odin State Bank has a Tier 1 Capital Ratio of 11.95%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Odin State Bank?▼
Odin State Bank has a Texas Ratio of 11.80%. 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 Odin State Bank?▼
Odin State Bank has an Efficiency Ratio of 62.43%. 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 Odin State Bank's profile as a depositor or analyst.
- Odin State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Odin 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.