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Drake Bank
Saint Paul, MN · FDIC Certificate #57336 · Chartered 05/0
Total assets
$247.44M
Total deposits
$211.56M
Total equity
$17.24M
Net loans
$187.89M
Branches (offices)
1
Net income (YTD)
-$1.58M
Rank: #2,725 of 4,213 U.S. banks by assets · #99 of 221 in Minnesota. Assets changed -9.4% and deposits -9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.24% |
| Return on equity | -17.71% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 6.97% |
| Tier 1 leverage ratio | 7.27% |
| Uninsured deposits (share of deposits) | 14.2% |
| Noncurrent loans (share of loans) | 4.49% |
| Net charge-offs (share of loans) | 0.65% |
| Loans to deposits | 88.8% |
| Real estate loans (share of loans) | 65.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $123.35M | 65.7% | |
| Commercial & industrial | $69.87M | 37.2% | |
| Consumer / individual | $485.00K | 0.3% | |
| Construction & development | $11.46M | 6.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $189.32M | $162.40M | $637.00K | $15.26M |
| Jun 2023 | $215.44M | $190.78M | $434.00K | $14.55M |
| Jun 2024 | $247.41M | $208.38M | $556.00K | $18.46M |
| Jun 2025 | $273.20M | $233.68M | $1.33M | $20.43M |
| Jun 2026 | $247.44M | $211.56M | -$1.58M | $17.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $211.56M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $211.56M.
Similar-sized banks
Farmers Bank And Trust Company ($247.79M) · Hendricks County Bank And Trust Company ($247.43M)
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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