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Produce State Bank
Hollandale, MN · FDIC Certificate #10178 · Chartered 08/0
Total assets
$107.20M
Total deposits
$94.65M
Total equity
$11.90M
Net loans
$59.24M
Branches (offices)
4
Net income (YTD)
$726.00K
Rank: #3,630 of 4,213 U.S. banks by assets · #164 of 221 in Minnesota. Assets changed 0.4% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 12.13% |
| Net interest margin (YTD) | 4.54% |
| Equity to assets | 11.11% |
| Tier 1 leverage ratio | 10.33% |
| Uninsured deposits (share of deposits) | 9.8% |
| Noncurrent loans (share of loans) | 1.26% |
| Net charge-offs (share of loans) | -0.15% |
| Loans to deposits | 62.6% |
| Real estate loans (share of loans) | 67.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.12M | 67.7% | |
| Commercial & industrial | $7.99M | 13.5% | |
| Consumer / individual | $3.94M | 6.7% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $7.82M | 13.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $130.30M | $120.30M | $397.00K | $9.44M |
| Jun 2023 | $115.15M | $102.98M | $1.32M | $11.75M |
| Jun 2024 | $110.87M | $98.30M | $1.01M | $11.96M |
| Jun 2025 | $106.79M | $94.36M | $803.00K | $11.98M |
| Jun 2026 | $107.20M | $94.65M | $726.00K | $11.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $94.65M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $94.65M.
Similar-sized banks
Platte Valley Bank ($107.24M) · Community Unity Bank ($107.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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