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Odin State Bank
Odin, MN · FDIC Certificate #14574 · Chartered 06/0
Total assets
$82.42M
Total deposits
$74.43M
Total equity
$6.74M
Net loans
$59.36M
Branches (offices)
1
Net income (YTD)
-$45.00K
Rank: #3,813 of 4,213 U.S. banks by assets · #186 of 221 in Minnesota. Assets changed 5.3% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.11% |
| Return on equity | -1.39% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 8.18% |
| Tier 1 leverage ratio | 8.50% |
| Uninsured deposits (share of deposits) | 9.1% |
| Noncurrent loans (share of loans) | 2.17% |
| Net charge-offs (share of loans) | 2.68% |
| Loans to deposits | 79.7% |
| Real estate loans (share of loans) | 72.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $42.86M | 72.2% | |
| Commercial & industrial | $2.44M | 4.1% | |
| Consumer / individual | $5.21M | 8.8% | |
| Construction & development | $254.00K | 0.4% | |
| Agricultural | $9.47M | 16.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $53.82M | $43.96M | $438.00K | $4.43M |
| Jun 2023 | $67.29M | $56.44M | $399.00K | $4.35M |
| Jun 2024 | $72.95M | $64.03M | $289.00K | $5.13M |
| Jun 2025 | $78.29M | $71.18M | $410.00K | $5.89M |
| Jun 2026 | $82.42M | $74.43M | -$45.00K | $6.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $74.43M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $74.43M.
Similar-sized banks
Tri-Valley Bank ($82.75M) · Sunnyside Federal Savings And Loan Association Of Irvington ($82.27M)
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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