FDIC Cert #10200 · Jeffers, Minnesota · Est. 1900

State Bank of Jeffers - FDIC Bank Health Profile

A community-scale look at State Bank of Jeffers's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$38M
Total assets
A
Health grade · Excellent
1.58%
Return on assets
19.0%
Tier 1 capital

Data updated July 2026

The verdict

State Bank of Jeffers earns a PlainBankData health grade of A (100/100), with well-capitalized at 19.04% Tier 1, profitable at 1.58% ROA, efficient (48% cost ratio).

#4,199
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
19.04%
Tier 1 ratio - above the 10% well-capitalized line
77th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 10200 · MN A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #153/4307
  • PHOTO-FINISH Nebraska State Bank · NE
  • TIER1-WELL 19.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.58% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Nebraska State Bank, NE (±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 State Bank of Jeffers

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

First State Bank of… · IL · …100/100Morgan Stanley Bank,… · UT ·…100/100Nebraska State Bank · NE · n…100/100State Bank of Jeffers · MN ·…100/100State Bank of Newburg · WI ·…100/100The First Trust and… · IL · …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around State Bank of Jeffers · July 2026

Call Report read for State Bank of Jeffers in a high-failure state

State Bank of Jeffers (FDIC Cert #10200) carries a PlainBankData health grade of A at 100/100, 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 #153 of 4,307. Tier 1 capital prints at 19.04%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.58%. Balance-sheet scale is $38M, 4,199th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Nebraska State Bank (NE), 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 State Bank of Jeffers

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

State Bank of Jeffers 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 State Bank of Jeffers'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 State Bank of Jeffers's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
State Bank of Jeffers's composite health score
Tier 1 Capital Ratio (19.04%) 40/40
Return on Assets (ROA) (1.58%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (47.82%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$38M

Total balance-sheet footings

Total Deposits

$32M

Customer-funded liabilities

Net Loans

$20M

Outstanding loan book

Net Income

$599K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.64% 19.04% 20.44%
Basel III capital ratios - State Bank of Jeffers

Where State Bank of Jeffers ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of Jeffers's score of 100/100 falls in the highlighted band.

State Bank of Jeffers: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. State Bank of Jeffers 0 100 every FDIC-insured bank with a health score, bucketed by value

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

State Bank of Jeffers'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). State Bank of Jeffers's $38M falls in the highlighted band.

Capital & credit buffers at State Bank of Jeffers

Tier 1 capital ratio
Well-capitalized 10%

19.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.04%
Texas Ratio
0.00%
Equity Capital
$5M

What these ratios mean →

Earnings posture at State Bank of Jeffers

Return on Assets (ROA)
77th percentile nationally
1.58%
Return on Equity (ROE)
12.28%
Efficiency Ratio
47.82%

What these mean →

Income & expense at State Bank of Jeffers

$2M
Interest Income
$37K
Non-Interest Income
$801K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank of Jeffers reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View State Bank of Jeffers on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($38M here), outside Minnesota so the neighborhood is not state containment.

Pee Dee Federal Savings Bank $38M · SC Country Trust Bank $38M · IL Bank of Mead $38M · NE Kingstree Federal Savings and Loan As… $37M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank of Jeffers (FDIC Cert #10200) - 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.

State Bank of Jeffers 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 →
BankAssetsGradeROA
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%