Grand Timber Bank is a state-chartered bank headquartered in Mcgregor, Minnesota, in business for about 63 years. At the end of Q2 2026 it reported $64.5M in total assets and $53.9M in deposits, with 1 office.
Based on its Q2 2026 filing, Grand Timber Bank scores 48/100, which we describe as below average. That is higher than only 8% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 205th. Its strongest component is earnings (70/100; 1.26%), and its lowest is loan quality (6/100; 2.81%).
TellerScore · Q2 2026
Scorecard
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 fell 2 points (50 → 48), mostly because the earnings component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 60 |
| Q4 2024 | 51 |
| Q1 2025 | 53 |
| Q2 2025 | 50 |
| Q3 2025 | 49 |
| Q4 2025 | 49 |
| Q1 2026 | 56 |
| Q2 2026 | 48 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.58% |
| Q3 2024 | 11.93% |
| Q4 2024 | 10.82% |
| Q1 2025 | 11.29% |
| Q2 2025 | 10.85% |
| Q3 2025 | 11.07% |
| Q4 2025 | 11.12% |
| Q1 2026 | 11.35% |
| Q2 2026 | 10.68% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.36% |
| Q3 2024 | 2.23% |
| Q4 2024 | 2.68% |
| Q1 2025 | 2.31% |
| Q2 2025 | 2.69% |
| Q3 2025 | 3.03% |
| Q4 2025 | 3.04% |
| Q1 2026 | 2.34% |
| Q2 2026 | 2.81% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.78% |
| Q3 2024 | 1.67% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $64.5M | 10.68% | 2.81% | 1.26% | 102.0% |
| Q1 2026 | 56 | $65.2M | 11.35% | 2.34% | 1.52% | 101.4% |
| Q4 2025 | 49 | $63.8M | 11.12% | 3.04% | 1.46% | 105.8% |
| Q3 2025 | 49 | $63.2M | 11.07% | 3.03% | 1.52% | 103.4% |
| Q2 2025 | 50 | $61.0M | 10.85% | 2.69% | 1.43% | 107.1% |
| Q1 2025 | 53 | $61.0M | 11.29% | 2.31% | 1.04% | 104.0% |
| Q4 2024 | 51 | $60.0M | 10.82% | 2.68% | 1.48% | 103.7% |
| Q3 2024 | 60 | $60.7M | 11.93% | 2.23% | 1.67% | 105.6% |
| Q2 2024 | 58 | $60.3M | 11.58% | 2.36% | 1.78% | 106.9% |
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).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants State Bank of AppletonBank Appleton, MN | 70 out of 100, Strong | $62.0M | 13.0% | 1.89% | vs |
| Vergas State BankBank Vergas, MN | 93 out of 100, Very strong | $60.7M | 15.3% | 0.16% | vs |
| State Bank of ChandlerBank Chandler, MN | 74 out of 100, Strong | $68.7M | 11.6% | 0.95% | vs |
| First Financial Bank in WinnebagoBank Winnebago, MN | 82 out of 100, Strong | $58.1M | 13.8% | 0.66% | vs |
| United Minnesota BankBank New London, MN | 66 out of 100, Moderate | $56.9M | 7.8% | 0.54% | vs |
| Security State Bank of KenyonBank Kenyon, MN | 76 out of 100, Strong | $72.2M | 12.6% | 0.36% | vs |
Deposit insurance
Is my money safe at Grand Timber Bank?
Yes. Grand Timber Bank is an FDIC-insured institution (FDIC certificate #18719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.0% of deposits ($5.4M) 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 10.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.54% (benchmark: 10%).
1 location
Branches
Grand Timber Bank lists 1 office in 1 city. Most locations:
- Mcgregor, MN (1)
Identity & history
Profile
- Legal name
- Grand Timber Bank
- Former names
- State Bank of McGregor
- Type
- State-chartered bank
- FDIC certificate #
- 18719
- RSSD ID
- 918356
- Primary regulator
- FDIC
- Holding company
- Midcountry Acquisition Corp
- Established
- March 18, 1963
- Headquarters
- 204 N Maddy St, Mcgregor, MN 55760
- Website
- www.grandtimberbank.com
- Employees
- 12
Quick answers
Grand Timber Bank: common questions
Is Grand Timber Bank FDIC insured?
Yes. Grand Timber Bank is an FDIC-insured institution (FDIC certificate #18719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Grand Timber Bank's TellerScore?
48 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Grand Timber Bank ever failed?
There is no failure record for FDIC certificate #18719 in the FDIC failed bank list.
How many branches does Grand Timber Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcgregor
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members CooperativeCredit union Duluth, MN | 59 out of 100, Moderate | $1.2B | 10.8% | 1.49% | vs |
| Old National BankBank Evansville, IN | 59 out of 100, Moderate | $73.9B | 8.8% | 0.92% | vs |
| Security State Bank of AitkinBank Aitkin, MN | 56 out of 100, Moderate | $114.5M | 10.8% | 2.24% | vs |
| Neighborhood National BankBank Mora, MN | 56 out of 100, Moderate | $312.2M | 11.2% | 2.31% | vs |