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Red River State Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 15820

Halstad, MN

2 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits -6.9% year over year ($91.7M on the books).
  • Delinquency rate 9.03%.
  • Return on assets 2.18%.
  • Efficiency ratio 56.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 105.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Red River State Bank has 3 strengths but faces 5 concerns

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

  • + Profitability Leader: Top 7.0% in tier
  • + Deposit Franchise: Top 53.6% in tier
  • + Efficiency Ratio 7.82% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 16.6% in tier
  • - Capital Constraint: Bottom 72.9% in tier
  • - Delinquency Rate 8.11% above tier average
  • - Nonperforming Asset Ratio 7.24% above tier average
  • - Non-Interest Income / Assets 0.52% below tier average
Get updates when Red River State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $110.2M
-5.1% YoY -8.2% QoQ
-$276.3M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 2.8% in tier
Total Loans ? $96.6M
-6.3% YoY -1.2% QoQ
-$161.7M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $91.7M
-6.9% YoY -10.5% QoQ
-$235.0M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 3.0% in tier
Return on Assets ? 2.18%
+64.1% YoY +3.8% QoQ
+0.86% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 9.2% in tier
Net Interest Margin ? 5.45%
+32.6% YoY -6.8% QoQ
+1.46% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Top 3.2% in tier
Efficiency Ratio ? 56.66%
+1.7% YoY -1.5% QoQ
-7.82% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 9.03%
-29.9% YoY +4.5% QoQ
+8.11% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 0.3% in tier
Loan-to-Deposit Ratio ? 105.35%
+0.6% YoY +10.4% QoQ
+27.40% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 5.6% in tier
Non-Interest-Bearing Deposit Share ? 29.44%
+11.6% YoY -7.0% QoQ
+7.41% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 7.91%
-30.7% YoY +12.5% QoQ
+7.24% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 0.2% in tier
Tier 1 Capital Ratio ? 15.24%
+9.5% YoY +7.1% QoQ
-0.67% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.05%
-3.4% YoY +87.3% QoQ
-0.52% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Bottom 5.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 29.4%
+3.1pp YoY
-2.2pp QoQ
 +7.3pp 22.1% 21.9% 22.2% 80%
Brokered Deposits 5.2%
+0.1pp YoY
-0.2pp QoQ
 -2.7pp 7.9% 8.3% 8.5% 53%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 34.1%
+4.1pp YoY
-0.3pp QoQ
 +22.5pp 11.6% 14.6% 12.5% 97%
CRE 12.8%
+1.1pp YoY
+0.4pp QoQ
 -26.7pp 39.5% 36.5% 41.4% 8%
1-4 Family 10.5%
+1.0pp YoY
-0.2pp QoQ
 -22.2pp 32.6% 29.4% 31.3% 12%
Consumer 10.3%
+0.6pp YoY
+0.2pp QoQ
 +6.2pp 4.1% 4.5% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 15.2%
+1.3pp YoY
+1.0pp QoQ
 +3.1pp 12.2% 11.0% 12.6% 88%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 20
+2 (+11.1%) YoY
0 QoQ
 -39 58 55 482 11%
Assets per Employee ($) $5.5M
-14.6% YoY
-8.2% QoQ
 -$2.0M $7.5M $8.6M $8.8M 23%
Branch Count 2
0 YoY
0 QoQ
 -3 4 4 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.6pp QoQ
 +0.8pp 0.3% 0.4% 0.4% 93%
Nonaccrual 7.9%
-5.0pp YoY
-0.2pp QoQ
 +6.9pp 0.9% 1.0% 1.0% 99%
Allowance Coverage 0.19x
+164.4% YoY
-1.7% QoQ
 -23.97x 24.15x 20.41x 20.23x 1%
Net Charge-off Rate (YTD) -0.7%
-1.3pp YoY
+0.7pp QoQ
 -0.8pp 0.1% 0.2% 0.2% 0%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 14.9%
+5.0pp YoY
-0.1pp QoQ
 +2.7pp 12.2% 13.1% 11.6% 67%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 30%
Net Income ($, YTD) $1.3M
+57.4% YoY
— QoQ
 -$1.3M $2.6M $4.5M $40.4M 35%

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 (2)

Profitability Leader

growth
#47 of 661 • Top 7.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.18%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#150 of 278 • Top 53.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 29.44%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.45%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Strain

risk
#116 of 691 • Bottom 16.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 105.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#79 of 107 • Bottom 72.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 105.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.24%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

85
Net Interest Margin
profitability
Value: 5.45%
Peer Median: 3.99%
#85 of 2643 Top 3.2% in $100M-$1B
245
Return on Assets
profitability
Value: 2.18%
Peer Median: 1.32%
#245 of 2643 Top 9.2% in $100M-$1B
520
Non-Interest-Bearing Deposit Share
funding
Value: 29.44%
Peer Median: 22.03%
#520 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (7 metrics)

2639
Nonperforming Asset Ratio
credit_quality
Value: 7.91%
Peer Median: 0.67%
#2639 of 2643 Bottom 0.2% in $100M-$1B
2625
Delinquency Rate
credit_quality
Value: 9.03%
Peer Median: 0.92%
#2625 of 2633 Bottom 0.3% in $100M-$1B
2570
Total Assets
size
Value: $110.25M
Peer Median: $386.57M
#2570 of 2643 Bottom 2.8% in $100M-$1B
2564
Total Deposits
size
Value: $91.69M
Peer Median: $326.73M
#2564 of 2643 Bottom 3.0% in $100M-$1B
2495
Loan-to-Deposit Ratio
liquidity
Value: 105.35%
Peer Median: 77.95%
#2495 of 2643 Bottom 5.6% in $100M-$1B
2494
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2494 of 2643 Bottom 5.7% in $100M-$1B
2180
Total Loans
size
Value: $96.60M
Peer Median: $258.35M
#2180 of 2643 Bottom 17.6% in $100M-$1B
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