Total Assets
$49M
Total balance-sheet footings
FDIC Cert #9120 · Rolette, North Dakota · Est. 1928
Rolette State Bank - FDIC Bank Health Profile
A community-scale look at Rolette State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $49M
- Total assets
- A
- Health grade · Excellent
- 1.63%
- Return on assets
- 10.1%
- Tier 1 capital
Data updated July 2026
The verdict
Rolette State Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 10.10% Tier 1, profitable at 1.63% ROA, 66% efficiency ratio.
- #4,136
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 10.10%
- Tier 1 ratio - above the 10% well-capitalized line
- 80th
- 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 Rolette State Bank's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Rolette State Bank's composite health score
Tier 1 Capital Ratio (10.10%) 28/40
Return on Assets (ROA) (1.63%) 25/25
Texas Ratio (0.22%) 20/20
Efficiency Ratio (65.56%) 8/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$44M
Customer-funded liabilities
Net Loans
$34M
Outstanding loan book
Net Income
$777K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Rolette State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Rolette State Bank's score of 81/100 falls in the highlighted band.
Rolette 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). Rolette State Bank's $49M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.10%
Texas Ratio
0.22%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
80th percentile nationally
1.63%
Return on Equity (ROE)
16.16%
Efficiency Ratio
65.56%
What the numbers say about Rolette State Bank
Rolette State Bank is an FDIC-insured institution (Certificate #9120) headquartered in Rolette, North Dakota, established in 1928. It holds $49M in total assets - 4,136th of 4,313 FDIC-insured banks, $44M in customer deposits, and $34M in net loans. Its capital position: a Tier 1 ratio of 10.10%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.22% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Rolette State Bank is a community-scale institution -- 58th of 61 FDIC-insured banks headquartered in North Dakota 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
$3M
Interest Income
$452K
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. Rolette State Bank reports a Texas Ratio of 0.22% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Rolette State Bank (FDIC Cert #9120) - 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 North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is Rolette State Bank's health grade?▼
Rolette State Bank receives a health grade of A (81/100) 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 Rolette State Bank?▼
Rolette State Bank holds $49M in total assets and $44M in deposits, ranking 4,136th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rolette, North Dakota.
Is my money safe at Rolette State Bank?▼
Yes, deposits at Rolette State Bank (Certificate #9120) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Rolette State Bank's Tier 1 Capital Ratio?▼
Rolette State Bank has a Tier 1 Capital Ratio of 10.10%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Rolette State Bank?▼
Rolette State Bank has a Texas Ratio of 0.22%. 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 Rolette State Bank?▼
Rolette State Bank has an Efficiency Ratio of 65.56%. 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 Rolette State Bank's profile as a depositor or analyst.
- Rolette State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Rolette State Bank against other North Dakota banks before moving funds. North Dakota 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.