TellerScore

American State Bank of Grygla is a state-chartered bank (fed member) headquartered in Grygla, Minnesota, in business for about 50 years. At the end of Q2 2026 it reported $81.8M in total assets and $73.9M in deposits, with 2 offices.

American State Bank of Grygla has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 73% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 29th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (58/100, 10.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.83%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings78/100
Return on assets (annualized): 1.46%
Funding & liquidity99/100
Loans ÷ deposits and uninsured-deposit share: 56.5% · 16.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (78 → 83), mostly because the capital cushion component improved by 9 points.

TellerScore
747983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202478
Q1 202576
Q2 202578
Q3 202580
Q4 202582
Q1 202680
Q2 202683
Tier 1 leverage ratio
5.00%7.92%10.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.70%
Q3 202410.78%
Q4 202410.14%
Q1 20259.88%
Q2 20259.88%
Q3 202510.33%
Q4 202510.74%
Q1 202610.69%
Q2 202610.83%
Noncurrent loans
0.00%0.30%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.46%
Q3 20240.61%
Q4 20240.00%
Q1 20250.13%
Q2 20250.00%
Q3 20250.06%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.97%1.21%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20241.21%
Q4 20241.17%
Q1 20251.13%
Q2 20251.37%
Q3 20251.46%
Q4 20251.45%
Q1 20261.12%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$81.8M10.83%0.00%1.46%56.5%
Q1 202680$81.2M10.69%0.00%1.12%55.3%
Q4 202582$80.8M10.74%0.00%1.45%59.2%
Q3 202580$82.0M10.33%0.06%1.46%59.6%
Q2 202578$84.7M9.88%0.00%1.37%54.2%
Q1 202576$81.5M9.88%0.13%1.13%53.1%
Q4 202478$78.7M10.14%0.00%1.17%54.6%
Q3 202475$75.7M10.78%0.61%1.21%58.6%
Q2 202474$73.3M10.70%0.46%0.97%59.7%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.83%
28th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets1.46%
72nd
Net interest margin3.71%
41st
Efficiency ratio61.7%
70th
Loans to deposits56.5%
63rd
Uninsured deposits16.3%
49th
Loan-loss reserves1.23%
51st
Texas ratio0.0%
85th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of Cold SpringBank Cold Spring, MN66 out of 100, Moderate$81.7M10.1%1.60%vs
Odin State BankBank Odin, MN39 out of 100, Low$82.4M8.5%2.17%vs
Farmers & Merchants State Bank of New York Mills, IncorporatedBank New York Mills, MN64 out of 100, Moderate$83.5M13.3%2.28%vs
Lowry State BankBank Lowry, MN39 out of 100, Low$84.1M9.6%3.18%vs
Vantage BankBank Kent, MN68 out of 100, Moderate$85.0M8.5%0.35%vs
First Security Bank - CanbyBank Canby, MN97 out of 100, Very strong$85.2M14.1%0.08%vs

Deposit insurance

Is my money safe at American State Bank of Grygla?

Yes. American State Bank of Grygla is an FDIC-insured institution (FDIC certificate #22263). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.3% of deposits ($12.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

American State Bank of Grygla lists 2 offices in 2 cities. Most locations:

  • Erskine, MN (1)
  • Grygla, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
American State Bank of Grygla
Type
State-chartered bank (Fed member)
FDIC certificate #
22263
RSSD ID
21359
Primary regulator
FED
Holding company
Grygla Financial Corp
Established
April 30, 1976
Headquarters
102 S Main Ave, Grygla, MN 56727
Employees
14

Quick answers

American State Bank of Grygla: common questions

Is American State Bank of Grygla FDIC insured?

Yes. American State Bank of Grygla is an FDIC-insured institution (FDIC certificate #22263). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American State Bank of Grygla's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American State Bank of Grygla ever failed?

There is no failure record for FDIC certificate #22263 in the FDIC failed bank list.

How many branches does American State Bank of Grygla have?

2 offices as of the latest FDIC data.