Grand Timber Bank
Mcgregor, Minnesota · FDIC Cert #18719
Grand Timber Bank is an FDIC-insured bank (Certificate #18719) with $60M in total assets and $47M in total deposits as of the Q2 2024 Call Report. Headquartered in Mcgregor, Minnesota, the bank maintains a Tier 1 capital ratio of 14.93% (Well-Capitalized) and a nonperforming loan ratio of 2.36%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Grand Timber Bank (FDIC cert 18719) is a community bank — $60M in total assets, $47M in deposits, serving the Mcgregor, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.93% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.36% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 11.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.45% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Grand Timber Bank carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Grand Timber Bank
- Total Assets
- $60M
- Total Deposits
- $47M
- Tier 1 Capital Ratio
- 14.93%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.36%
- Liquidity Ratio
- 11.35%
- Return on Assets
- 2.45%
- Headquarters
- Mcgregor, Minnesota
- FDIC Certificate
- #18719
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Grand Timber Bank holds a Tier 1 capital ratio of 14.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Grand Timber Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Grand Timber Bank shows strong financial health indicators. With $60M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Grand Timber Bank Compares
Grand Timber Bank’s Health Score of 67 is 6 points below the Minnesota state average of 73 across 225 FDIC-insured banks. Its 14.93% Tier 1 capital ratio is 0.9 points above the US banking industry average near 14%. The 2.36% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.45% is in line with or above the national ROA benchmark of ~1.1%. Among 669 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Grand Timber Bank is 3 points below the portfolio average of 70.
Frequently Asked Questions
Grand Timber Bank has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Grand Timber Bank's Tier 1 capital ratio of 14.93% and nonperforming loan ratio of 2.36% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Grand Timber Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18719). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Grand Timber Bank holds $60M in total assets and $47M in total deposits. It is headquartered in Mcgregor, Minnesota (FDIC Certificate #18719).
Grand Timber Bank has a Tier 1 capital ratio of 14.93%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.36%, and the return on assets is 2.45%.
Yes. Grand Timber Bank is FDIC-insured (Certificate #18719). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Grand Timber Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.