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.
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.
Red River State Bank's 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'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.
Safety metrics
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
Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
4.05%
Efficiency Ratio
66.11%
What the numbers say about Red River State Bank
Red River State Bank is an FDIC-insured institution (Certificate #15820) headquartered in Halstad, Minnesota, established in 1934. It holds $120M in total assets - 3,576th of 4,313 FDIC-insured banks, $103M in customer deposits, and $104M in net loans. Capital-wise, the Tier 1 ratio sits at 13.42%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 71.94%, elevated past the 50% level that draws analyst scrutiny. That combination rolls up into a PlainBankData health grade of C (57 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Red River State Bank is a community-scale institution -- 154th 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
$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
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.
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 Red River State Bank's health grade?▼
Red River State Bank receives a health grade of C (57/100) 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 Red River State Bank?▼
Red River State Bank holds $120M in total assets and $103M in deposits, ranking 3,576th of 4,313 FDIC-insured banks by asset size. It is headquartered in Halstad, Minnesota.
Is my money safe at Red River State Bank?▼
Yes, deposits at Red River State Bank (Certificate #15820) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Red River State Bank's Tier 1 Capital Ratio?▼
Red River State Bank has a Tier 1 Capital Ratio of 13.42%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Red River State Bank?▼
Red River State Bank has a Texas Ratio of 71.94%. A ratio above 50% suggests elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Red River State Bank?▼
Red River State Bank has an Efficiency Ratio of 66.11%. 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 Red River State Bank's profile as a depositor or analyst.
- Red River State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Red River 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.