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Rushford State Bank (Incorporated)

$100M-$1B Specialty: Agricultural MN FDIC cert 11411

Rushford, MN

2 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

Rushford State Bank (Incorporated) faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - ROA 0.33% below tier average
  • - Net Interest Margin 0.43% below tier average
  • - Efficiency Ratio 2.45% above tier average
  • - Delinquency Rate 0.29% above tier average
Get updates when Rushford State Bank (Incorporated) releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $114.6M
+7.9% YoY +4.0% QoQ
-$271.5M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
Bottom 4.4% in tier
Total Loans ? $58.0M
-1.4% YoY -2.6% QoQ
-$197.7M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
Bottom 4.5% in tier
Total Deposits ? $107.0M
+7.4% YoY +4.4% QoQ
-$220.9M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
Bottom 7.7% in tier
Return on Assets ? 0.94%
-1.8% YoY -11.4% QoQ
-0.33% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
34%
Net Interest Margin ? 3.50%
+3.4% YoY -0.7% QoQ
-0.43% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
30%
Efficiency Ratio ? 67.73%
-6.4% YoY -3.8% QoQ
+2.45% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
38%
Delinquency Rate ? 1.17%
-7.9% QoQ
+0.29% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
25%
Loan-to-Deposit Ratio ? 54.21%
-8.2% YoY -6.7% QoQ
-22.43% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
Top 12.9% in tier
Non-Interest-Bearing Deposit Share ? 21.39%
-6.1% YoY -4.1% QoQ
-0.63% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
52%
Nonperforming Asset Ratio ? 0.59%
-13.7% QoQ
-0.04% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
33%
Tier 1 Capital Ratio ? 12.85%
+9.7% YoY +3.3% QoQ
-2.98% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.05%
+3.2% YoY -72.6% QoQ
-0.23% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
20%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

344
Loan-to-Deposit Ratio
liquidity
Value: 54.21%
Peer Median: 76.64%
#344 of 2664 Top 12.9% in $100M-$1B

Top Weaknesses (5 metrics)

2548
Total Assets
size
Value: $114.58M
Peer Median: $386.08M
#2548 of 2664 Bottom 4.4% in $100M-$1B
2546
Total Loans
size
Value: $58.01M
Peer Median: $255.72M
#2546 of 2664 Bottom 4.5% in $100M-$1B
2460
Total Deposits
size
Value: $107.02M
Peer Median: $327.97M
#2460 of 2664 Bottom 7.7% in $100M-$1B
2129
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.28%
#2129 of 2664 Bottom 20.1% in $100M-$1B
2003
Delinquency Rate
credit_quality
Value: 1.17%
Peer Median: 0.89%
#2003 of 2654 Bottom 24.6% in $100M-$1B
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