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Regulatory profile
Waite Park, MN · FDIC certificate #5123 · RSSD 314257
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $1.5B | $1.4B | $0.9B | 1.79% | 20.33% | 4.14% |
| 2026-03-31 | $1.6B | $1.4B | $0.9B | 1.77% | 20.29% | 3.99% |
| 2025-12-31 | $1.4B | $1.3B | $0.9B | 1.71% | 17.87% | 4.47% |
| 2025-09-30 | $1.4B | $1.2B | $0.9B | 1.78% | 18.33% | 4.47% |
| 2025-06-30 | $1.2B | $1.1B | $0.9B | 1.68% | 17.03% | 4.50% |
| 2025-03-31 | $1.2B | $1.1B | $0.9B | 1.53% | 15.52% | 4.40% |
| 2024-12-31 | $1.2B | $1.1B | $0.9B | 1.24% | 12.34% | 4.18% |
| 2024-09-30 | $1.2B | $1.1B | $0.9B | 1.37% | 13.50% | 3.97% |
| 2024-03-31 | $1.0B | $0.8B | $0.7B | 1.10% | 11.11% | 3.70% |
| 2023-12-31 | $1.1B | $0.9B | $0.8B | 1.17% | 12.90% | 3.72% |
| 2023-09-30 | $1.1B | $0.9B | $0.8B | 1.22% | 13.71% | 3.72% |
| 2023-06-30 | $1.1B | $0.9B | $0.7B | 1.11% | 12.52% | 3.67% |
| 2023-03-31 | $1.0B | $0.9B | $0.7B | 0.98% | 10.93% | 3.70% |
| 2022-12-31 | $1.0B | $0.9B | $0.7B | 0.99% | 11.43% | 3.52% |
| 2022-09-30 | $1.1B | $1.0B | $0.7B | 0.90% | 10.39% | 3.35% |
| 2022-06-30 | $1.0B | $0.9B | $0.7B | 0.70% | 7.98% | 3.16% |
| 2022-03-31 | $1.1B | $1.0B | $0.6B | 0.39% | 4.43% | 2.96% |
| 2021-12-31 | $1.1B | $1.0B | $0.6B | 1.03% | 11.39% | 3.39% |
| 2021-09-30 | $1.0B | $0.9B | $0.6B | 1.06% | 11.63% | 3.41% |
| 2021-06-30 | $1.0B | $0.9B | $0.7B | 0.94% | 10.32% | 3.18% |
| 2021-03-31 | $1.0B | $0.9B | $0.7B | 0.72% | 8.00% | 3.20% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 2499082 · 1997-01-02 to current
Unmatched RSSD entityRSSD 1128536 · 1996-12-31 to 1997-01-01
Unmatched RSSD entityRSSD 1128536 · 1996-04-08 to 1996-12-30
Unmatched RSSD entityRSSD 1128536 · 1993-09-24 to 1996-04-07
Unmatched RSSD entityRSSD 1128536 · 1989-12-31 to 1993-09-23
Unmatched RSSD entityRSSD 1128536 · 1984-01-31 to 1989-12-30
2024-09-21RSSD 168357 → 314257 · code 1
2018-04-28RSSD 763556 → 314257 · code 1
2015-06-15RSSD 34153 → 314257 · code 1
2005-07-14RSSD 844558 → 314257 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.