Red River State Bank
Halstad, MN · Cert 15820 · Peer group: banks under $1B in assets in MN (n=111-113) · Red River Finl Services Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$110.2MAssets
$98.2MLoans
$91.7MDeposits
$17.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in MN (rank 111 of 111).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.81%
Rank 11 of 113
Net Interest Margin
5.37%
Rank 4 of 113
Efficiency Ratio
56.66%
Rank 42 of 113
Equity / Assets
16.09%
Rank 8 of 113
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 64% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.81% | 0.87% | 1.20% | 1.41% | Beats 90% | 11 / 113 | |
| Return on Equity | 11.27% | 8.92% | 11.27% | 13.99% | Beats 50% | 57 / 113 | |
| Net Interest Margin | 5.37% | 3.42% | 3.88% | 4.31% | Beats 96% | 4 / 113 | |
| Efficiency Ratio | 56.66% | 54.13% | 61.48% | 69.86% | Beats 64% | 42 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.88% | 0.09% | 0.58% | 1.82% | Beats 1% | 111 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 15.24% | 11.53% | 13.31% | 18.13% | Beats 61% | 44 / 113 | |
| Total Risk-Based Capital Ratio | 15.24% | 12.12% | 14.43% | 19.39% | Beats 56% | 50 / 113 | |
| Equity / Assets | 16.09% | 8.52% | 10.10% | 11.94% | Beats 93% | 8 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 107.14% | 62.08% | 77.32% | 88.06% | 95th pctl | 6 / 111 | |
| Loans / Assets | 89.11% | 55.01% | 66.35% | 75.50% | 96th pctl | 5 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |