TellerScore

Headquartered in Currie, Minnesota, Currie State Bank is a state-chartered bank with $100.0M in total assets and $88.3M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1931.

Based on its Q2 2026 filing, Currie State Bank scores 66/100, which we describe as moderate. That is higher than only 28% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 143rd. Its strongest component is problem-loan coverage (86/100; 7.1%), and its lowest is capital cushion (57/100; 10.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.69%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.96%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 98.6% · 7.0% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.09%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).

TellerScore
425466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202465
Q4 202465
Q1 202543
Q2 202565
Q3 202549
Q4 202542
Q1 202664
Q2 202666
Tier 1 leverage ratio
5.00%7.89%10.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.69%
Q3 202410.70%
Q4 202410.79%
Q1 202510.18%
Q2 202510.45%
Q3 202510.34%
Q4 202510.74%
Q1 202610.44%
Q2 202610.69%
Noncurrent loans
0.94%3.28%5.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.52%
Q3 20241.05%
Q4 20240.96%
Q1 20253.03%
Q2 20250.94%
Q3 20252.69%
Q4 20255.62%
Q1 20261.03%
Q2 20260.96%
Return on assets
1.17%1.28%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.27%
Q4 20241.25%
Q1 20251.17%
Q2 20251.34%
Q3 20251.40%
Q4 20251.37%
Q1 20261.22%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$100.0M10.69%0.96%1.24%98.6%
Q1 202664$97.7M10.44%1.03%1.22%99.6%
Q4 202542$101.8M10.74%5.62%1.37%106.1%
Q3 202549$103.1M10.34%2.69%1.40%100.2%
Q2 202565$102.0M10.45%0.94%1.34%104.1%
Q1 202543$99.7M10.18%3.03%1.17%102.9%
Q4 202465$100.3M10.79%0.96%1.25%105.8%
Q3 202465$95.2M10.70%1.05%1.27%101.7%
Q2 202450$96.1M10.69%2.52%1.32%107.4%

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 ratio10.69%
27th
Total risk-based capital0.00%
27th
Problem loans0.96%
36th
Net charge-offs-0.02%
87th
Return on assets1.24%
64th
Net interest margin4.61%
77th
Efficiency ratio61.5%
71st
Loans to deposits98.6%
10th
Uninsured deposits7.0%
87th
Loan-loss reserves1.54%
71st
Texas ratio7.1%
26th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Janesville State BankBank Janesville, MN81 out of 100, Strong$98.8M11.4%0.00%vs
The First National Bank of OsakisBank Osakis, MN61 out of 100, Moderate$97.6M8.7%0.67%vs
The Miners National Bank of EvelethBank Eveleth, MN74 out of 100, Strong$96.6M10.1%0.00%vs
First Farmers & Merchants State BankBank Brownsdale, MN67 out of 100, Moderate$96.4M11.5%1.31%vs
Integrity Bank PlusBank Wabasso, MN63 out of 100, Moderate$93.4M11.5%2.27%vs
Triumph State BankBank Trimont, MN57 out of 100, Moderate$93.3M12.9%5.00%vs

Deposit insurance

Is my money safe at Currie State Bank?

Yes. Currie State Bank is an FDIC-insured institution (FDIC certificate #8833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.0% of deposits ($6.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.69%, 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

Currie State Bank lists 2 offices in 2 cities. Most locations:

  • Currie, MN (1)
  • Okabena, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Currie State Bank
Type
State-chartered bank
FDIC certificate #
8833
RSSD ID
343958
Primary regulator
FDIC
Holding company
Currie Bcorp Inc
Established
February 1, 1931
Headquarters
141 Mill St, Currie, MN 56123
Employees
17

Quick answers

Currie State Bank: common questions

Is Currie State Bank FDIC insured?

Yes. Currie State Bank is an FDIC-insured institution (FDIC certificate #8833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Currie State Bank's TellerScore?

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

Has Currie State Bank ever failed?

There is no failure record for FDIC certificate #8833 in the FDIC failed bank list.

How many branches does Currie State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Currie

InstitutionScoreAssetsCapitalProblem loansCompare
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
First Independent BankBank Russell, MN76 out of 100, Strong$632.3M9.9%0.14%vs
State Bank of ChandlerBank Chandler, MN74 out of 100, Strong$68.7M11.6%0.95%vs
First Security Bank - Sleepy EyeBank Sleepy Eye, MN73 out of 100, Strong$182.8M15.3%2.60%vs
First State Bank SouthwestBank Pipestone, MN70 out of 100, Strong$409.9M9.7%0.71%vs
Bank MidwestBank Spirit Lake, IA69 out of 100, Moderate$1.3B10.2%0.42%vs