Is Root River State Bank Safe?
Root River State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (18/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.41% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 55.35% | 100/100 |
| Return on Assets | -0.05% | 18/100 |
| Total Assets | $0.1B | |
How does Root River State Bank compare?
With a Bank Health Score of 92/100, Root River State Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Root River State Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 19.41% 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 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Root River State Bank's Bank Health Score fell by 1.0 points to 92/100. Tier 1 capital weakened by 0.21 percentage points to 19.41%. Quarter-over-quarter, the score rose by 1.0 points.
Root River State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (18/100).