Total Assets
$114M
Total balance-sheet footings
FDIC Cert #10178 · Hollandale, Minnesota · Est. 1926
Produce State Bank - FDIC Bank Health Profile
A community-scale look at Produce State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $114M
- Total assets
- A
- Health grade · Excellent
- 1.35%
- Return on assets
- 20.0%
- Tier 1 capital
Data updated July 2026
The verdict
Produce State Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 20.02% Tier 1, profitable at 1.35% ROA, 62% efficiency ratio.
- #3,636
- largest of 4,313 FDIC banks by assets
- 16th
- percentile by asset size, nationally
- 20.02%
- Tier 1 ratio - above the 10% well-capitalized line
- 67th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Produce State Bank's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Produce State Bank's composite health score
Tier 1 Capital Ratio (20.02%) 40/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (7.10%) 16/20
Efficiency Ratio (61.74%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$101M
Customer-funded liabilities
Net Loans
$57M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Produce State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Produce State Bank's score of 84/100 falls in the highlighted band.
Produce 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). Produce State Bank's $114M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.02%
Texas Ratio
7.10%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
67th percentile nationally
1.35%
Return on Equity (ROE)
12.48%
Efficiency Ratio
61.74%
What the numbers say about Produce State Bank
Produce State Bank is an FDIC-insured institution (Certificate #10178) headquartered in Hollandale, Minnesota, established in 1926. It holds $114M in total assets - 3,636th of 4,313 FDIC-insured banks, $101M in customer deposits, and $57M in net loans. On safety, its Tier 1 capital ratio of 20.02% is above the 10% well-capitalized threshold, and its Texas Ratio of 7.10% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (84/100), 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, Produce State Bank ranks 162nd 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
$253K
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. Produce State Bank reports a Texas Ratio of 7.10% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.10% - 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) Produce State Bank (FDIC Cert #10178) - 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 Produce State Bank's health grade?▼
Produce State Bank receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Produce State Bank?▼
Produce State Bank holds $114M in total assets and $101M in deposits, ranking 3,636th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hollandale, Minnesota.
Is my money safe at Produce State Bank?▼
Yes, deposits at Produce State Bank (Certificate #10178) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Produce State Bank's Tier 1 Capital Ratio?▼
Produce State Bank has a Tier 1 Capital Ratio of 20.02%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Produce State Bank?▼
Produce State Bank has a Texas Ratio of 7.10%. 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 Produce State Bank?▼
Produce State Bank has an Efficiency Ratio of 61.74%. 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 Produce State Bank's profile as a depositor or analyst.
- Produce State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Produce 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.