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Grand Timber Bank
Mcgregor, MN · FDIC Certificate #18719 · Chartered 03/1
Total assets
$64.55M
Total deposits
$53.86M
Total equity
$8.22M
Net loans
$54.97M
Branches (offices)
1
Net income (YTD)
$407.00K
Rank: #3,940 of 4,213 U.S. banks by assets · #195 of 221 in Minnesota. Assets changed 5.9% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 9.67% |
| Net interest margin (YTD) | 5.96% |
| Equity to assets | 12.73% |
| Tier 1 leverage ratio | 10.68% |
| Uninsured deposits (share of deposits) | 10.0% |
| Noncurrent loans (share of loans) | 2.81% |
| Net charge-offs (share of loans) | 0.75% |
| Loans to deposits | 102.0% |
| Real estate loans (share of loans) | 81.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $45.01M | 81.9% | |
| Commercial & industrial | $5.84M | 10.6% | |
| Consumer / individual | $4.61M | 8.4% | |
| Construction & development | $3.17M | 5.8% | |
| Agricultural | $126.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $58.36M | $47.46M | $466.00K | $7.75M |
| Jun 2023 | $60.36M | $48.02M | $417.00K | $7.65M |
| Jun 2024 | $60.32M | $47.03M | $539.00K | $8.42M |
| Jun 2025 | $60.96M | $50.23M | $434.00K | $8.10M |
| Jun 2026 | $64.55M | $53.86M | $407.00K | $8.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $53.86M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $53.86M.
Similar-sized banks
The Security State Bank ($64.78M) · State Bank Of Industry ($64.34M)
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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