Is Produce State Bank Safe?
Produce State Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (79/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 21.66% | 100/100 |
| Nonperforming Loan Ratio | 1.05% | 79/100 |
| Liquidity Ratio | 50.54% | 100/100 |
| Return on Assets | 2.06% | 100/100 |
| Total Assets | $0.1B | |
How does Produce State Bank compare?
With a Bank Health Score of 94/100, Produce State Bank sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Produce State Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 21.66% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.05% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Produce State Bank's Bank Health Score improved by 5.0 points to 94/100. Tier 1 capital strengthened by 1.29 percentage points to 21.66%. Quarter-over-quarter, the score rose by 1.0 points.
Produce State Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (79/100).