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Red River State Bank
Halstad, MN · FDIC Certificate #15820 · Chartered 01/0
Total assets
$110.25M
Total deposits
$91.69M
Total equity
$17.73M
Net loans
$96.60M
Branches (offices)
2
Net income (YTD)
$1.27M
Rank: #3,603 of 4,213 U.S. banks by assets · #163 of 221 in Minnesota. Assets changed -5.1% and deposits -6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.18% |
| Return on equity | 14.89% |
| Net interest margin (YTD) | 5.45% |
| Equity to assets | 16.09% |
| Tier 1 leverage ratio | 15.24% |
| Uninsured deposits (share of deposits) | 10.5% |
| Noncurrent loans (share of loans) | 8.88% |
| Net charge-offs (share of loans) | -0.67% |
| Loans to deposits | 105.4% |
| Real estate loans (share of loans) | 37.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $35.94M | 37.2% | |
| Commercial & industrial | $32.91M | 34.1% | |
| Consumer / individual | $9.94M | 10.3% | |
| Construction & development | $2.28M | 2.4% | |
| Agricultural | $19.45M | 20.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $131.89M | $117.33M | $1.45M | $14.40M |
| Jun 2023 | $122.92M | $106.37M | $1.16M | $16.21M |
| Jun 2024 | $122.50M | $105.81M | $1.09M | $15.96M |
| Jun 2025 | $116.22M | $98.48M | $809.00K | $16.81M |
| Jun 2026 | $110.25M | $91.69M | $1.27M | $17.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $91.69M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $91.69M.
Similar-sized banks
Bank Of Louisiana ($110.29M) · The Peoples Savings And Loan Company ($109.90M)
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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