Total Assets
$178M
Total balance-sheet footings
FDIC Cert #10236 · Mayville, North Dakota · Est. 1881
The Goose River Bank - FDIC Bank Health Profile
A community-scale look at The Goose River Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $178M
- Total assets
- B
- Health grade · Good
- 1.31%
- Return on assets
- 11.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Goose River Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.57% Tier 1, profitable at 1.31% ROA, 67% efficiency ratio.
- #3,162
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 11.57%
- Tier 1 ratio - above the 10% well-capitalized line
- 64th
- 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.
How The Goose River Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Goose River Bank's composite health score
Tier 1 Capital Ratio (11.57%) 28/40
Return on Assets (ROA) (1.31%) 20/25
Texas Ratio (17.12%) 10/20
Efficiency Ratio (66.53%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$153M
Customer-funded liabilities
Net Loans
$128M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Goose River Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Goose River Bank's score of 66/100 falls in the highlighted band.
The Goose River 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). The Goose River Bank's $178M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.57%
Texas Ratio
17.12%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.31%
Return on Equity (ROE)
12.70%
Efficiency Ratio
66.53%
What the numbers say about The Goose River Bank
The Goose River Bank is an FDIC-insured institution (Certificate #10236) headquartered in Mayville, North Dakota, established in 1881. It holds $178M in total assets - 3,162nd of 4,313 FDIC-insured banks, $153M in customer deposits, and $128M in net loans. Capital-wise, the Tier 1 ratio sits at 11.57%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 17.12%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Goose River Bank sits 36th of 61 banks headquartered in North Dakota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$10M
Interest Income
$517K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Goose River Bank reports a Texas Ratio of 17.12% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.12% - 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) The Goose River Bank (FDIC Cert #10236) - 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 The Goose River Bank's health grade?▼
The Goose River Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Goose River Bank?▼
The Goose River Bank holds $178M in total assets and $153M in deposits, ranking 3,162nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Mayville, North Dakota.
Is my money safe at The Goose River Bank?▼
Yes, deposits at The Goose River Bank (Certificate #10236) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Goose River Bank's Tier 1 Capital Ratio?▼
The Goose River Bank has a Tier 1 Capital Ratio of 11.57%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Goose River Bank?▼
The Goose River Bank has a Texas Ratio of 17.12%. 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 The Goose River Bank?▼
The Goose River Bank has an Efficiency Ratio of 66.53%. 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 The Goose River Bank's profile as a depositor or analyst.
- The Goose River Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Goose River 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.