Total Assets
$120M
Total balance-sheet footings
FDIC Cert #15820 · Halstad, Minnesota · Est. 1934
Red River State 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.
- $120M
- Total assets
- C
- Health grade · Fair
- 0.56%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
Red River State Bank earns a PlainBankData health grade of C (57/100), with well-capitalized at 13.42% Tier 1, 0.56% ROA, 66% efficiency ratio.
- #3,576
- largest of 4,313 FDIC banks by assets
- 17th
- percentile by asset size, nationally
- 13.42%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- 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 15820 · MN C · 57/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-WATCH · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-C C (57/100)
- BOTTOM-DECILE #3922/4307
- PHOTO-FINISH FNB Bank · KS
- TIER1-WELL 13.4% Tier 1
- TEXAS-WATCH 71.9% Texas
- ROA-THIN 0.56% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Minnesota: FNB Bank, KS (±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 Red River State Bank
Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.
Call Report read for Red River State Bank in a high-failure state
Red River State Bank (FDIC Cert #15820) carries a PlainBankData health grade of C at 57/100, 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 #3,922 of 4,307. Tier 1 capital prints at 13.42%, clearing the 10% well-capitalized line. The Texas Ratio is 71.94%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is 0.56%. Balance-sheet scale is $120M, 3,576th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is FNB Bank (KS), 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 Red River State Bank
24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus
Red River State 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 Red River State 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 Red River State Bank's 57/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (13.42%) 35/40
Return on Assets (ROA) (0.56%) 14/25
Texas Ratio (71.94%) 0/20
Efficiency Ratio (66.11%) 8/15
57 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$103M
Customer-funded liabilities
Net Loans
$104M
Outstanding loan book
Net Income
$670K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Red River State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Red River State Bank's score of 57/100 falls in the highlighted band.
Red River State Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
57 9th percentile higher than 9% of 4,307 FDIC-insured banks
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
Red River 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). Red River State Bank's $120M falls in the highlighted band.
Capital & credit buffers at Red River State Bank
Tier 1 capital ratio
Well-capitalized 10%
13.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.42%
Texas Ratio
71.94%
Equity Capital
$16M
Profitability metrics: Red River State Bank
Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
4.05%
Efficiency Ratio
66.11%
Income & expense at Red River State Bank
$7M
Interest Income
$115K
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. Red River State Bank reports a Texas Ratio of 71.94% - elevated, troubled assets are consuming a meaningful share of capital and reserves.
Texas Ratio
Caution 50%
71.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Red River State Bank
Red River State Bank's grade of C reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 71.94% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Red River State 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.
Top banks in Minnesota by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($120M here), outside Minnesota so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Red River State Bank (FDIC Cert #15820) - 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.
Red River State 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 →| 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% |