🏦Bank Scorer

ODIN STATE BANK

ODIN, MN · Supervised by FDIC

Est. 1904FDIC #14,574RSSD: FDIC-14574
Part ofODIN BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -2.43%

Institution Profile

FDIC BankFind

Address

101 E Main St, ODIN, MN

County

Watonwan County

Established

June 9, 1904

Total Assets

$79M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$79M

Total Deposits

$72M

Net Loans

$62M

Net Income

$-488K

ROA

-2.43%

ROE

-30.66%

Risk-Based Capital

12.31%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$71M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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