FDIC Cert #1607 · Elk River, Minnesota · Est. 1885

The Bank of Elk River - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$718M
Total assets
B
Health grade · Good
0.99%
Return on assets
14.0%
Tier 1 capital

Data updated July 2026

The verdict

The Bank of Elk River earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.00% Tier 1, 0.99% ROA, 71% efficiency ratio.

#1,359
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
14.00%
Tier 1 ratio - above the 10% well-capitalized line
42nd
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.

FDIC Call Report plate

Cert 1607 · MN B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2752/4307
  • PHOTO-FINISH First National Bank,… · IA
  • TIER1-WELL 14.0% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-PAR 0.99% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: First National Bank, Ames, Iowa, IA (±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 The Bank of Elk River

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

Morgan Stanley Bank,… · UT ·…100/100First National Bank,… · IA ·…73/100The Bank of Elk River · MN ·…73/100The Farmers and Merc… · IN ·…73/100The First State Bank… · MT ·…73/100Wahoo State Bank · NE · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Bank of Elk River · July 2026

Call Report read for The Bank of Elk River in a high-failure state

The Bank of Elk River (FDIC Cert #1607) carries a PlainBankData health grade of B at 73/100, 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 #2,752 of 4,307. Tier 1 capital prints at 14.00%, clearing the 10% well-capitalized line. The Texas Ratio is 0.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.99%. Balance-sheet scale is $718M, 1,359th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank, Ames, Iowa (IA), 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 The Bank of Elk River

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

The Bank of Elk River 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 The Bank of Elk River'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 The Bank of Elk River's 73/100 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 avg77/10073/100
The Bank of Elk River's composite health score
Tier 1 Capital Ratio (14.00%) 35/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (0.25%) 20/20
Efficiency Ratio (70.53%) 4/15

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

Balance sheet at a glance

Total Assets

$718M

Total balance-sheet footings

Total Deposits

$659M

Customer-funded liabilities

Net Loans

$433M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.6% 14% 15.4%
Basel III capital ratios - The Bank of Elk River

Where The Bank of Elk River ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Elk River's score of 73/100 falls in the highlighted band.

The Bank of Elk River: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 36th percentile higher than 36% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Bank of Elk River 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

The Bank of Elk River'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). The Bank of Elk River's $718M falls in the highlighted band.

Capital & credit buffers at The Bank of Elk River

Tier 1 capital ratio
Well-capitalized 10%

14.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.00%
Texas Ratio
0.25%
Equity Capital
$50M

What these ratios mean →

Profitability metrics: The Bank of Elk River

Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
16.29%
Efficiency Ratio
70.53%

What these mean →

Income & expense at The Bank of Elk River

$33M
Interest Income
$4M
Non-Interest Income
$19M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Elk River reports a Texas Ratio of 0.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Bank of Elk River 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 ($718M here), outside Minnesota so the neighborhood is not state containment.

First Neighbor Bank $718M · IL Bank of Luxemburg $716M · WI Chippewa Valley Bank $716M · WI Texas Gulf Bank $716M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Elk River (FDIC Cert #1607) - 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.

The Bank of Elk River 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%