Headquartered in Janesville, Minnesota, Janesville State Bank is a state-chartered bank with $98.8M in total assets and $84.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1898.
Based on its Q2 2026 filing, Janesville State Bank scores 81/100, which we describe as strong. That is higher than 68% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 35th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (64/100; 11.44%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 81 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 82 |
| Q1 2026 | 82 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.79% |
| Q3 2024 | 12.18% |
| Q4 2024 | 12.44% |
| Q1 2025 | 11.99% |
| Q2 2025 | 12.42% |
| Q3 2025 | 12.44% |
| Q4 2025 | 12.41% |
| Q1 2026 | 11.66% |
| Q2 2026 | 11.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.97% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.41% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.43% |
| Q1 2026 | 1.60% |
| Q2 2026 | 1.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $98.8M | 11.44% | 0.00% | 1.54% | 82.7% |
| Q1 2026 | 82 | $94.5M | 11.66% | 0.00% | 1.60% | 88.3% |
| Q4 2025 | 82 | $95.0M | 12.41% | 0.00% | 1.43% | 91.1% |
| Q3 2025 | 82 | $91.4M | 12.44% | 0.00% | 1.47% | 90.5% |
| Q2 2025 | 82 | $89.2M | 12.42% | 0.00% | 1.41% | 93.8% |
| Q1 2025 | 81 | $86.3M | 11.99% | 0.00% | 1.37% | 89.9% |
| Q4 2024 | 78 | $90.2M | 12.44% | 0.00% | 0.97% | 89.9% |
| Q3 2024 | 78 | $88.2M | 12.18% | 0.00% | 0.94% | 95.0% |
| Q2 2024 | 76 | $89.9M | 11.79% | 0.00% | 0.88% | 89.8% |
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 |
|---|---|---|---|---|---|
| Currie State BankBank Currie, MN | 66 out of 100, Moderate | $100.0M | 10.7% | 0.96% | vs |
| The First National Bank of OsakisBank Osakis, MN | 61 out of 100, Moderate | $97.6M | 8.7% | 0.67% | vs |
| The Miners National Bank of EvelethBank Eveleth, MN | 74 out of 100, Strong | $96.6M | 10.1% | 0.00% | vs |
| First Farmers & Merchants State BankBank Brownsdale, MN | 67 out of 100, Moderate | $96.4M | 11.5% | 1.31% | vs |
| Integrity Bank PlusBank Wabasso, MN | 63 out of 100, Moderate | $93.4M | 11.5% | 2.27% | vs |
| Triumph State BankBank Trimont, MN | 57 out of 100, Moderate | $93.3M | 12.9% | 5.00% | vs |
Deposit insurance
Is my money safe at Janesville State Bank?
Yes. Janesville State Bank is an FDIC-insured institution (FDIC certificate #10960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.2% of deposits ($19.5M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.44%, 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%).
1 location
Branches
Janesville State Bank lists 1 office in 1 city. Most locations:
- Janesville, MN (1)
Identity & history
Profile
- Legal name
- Janesville State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10960
- RSSD ID
- 88259
- Primary regulator
- FDIC
- Holding company
- Janesville Holding Co
- Established
- January 1, 1898
- Headquarters
- 201 N Main St, Janesville, MN 56048
- Website
- www.janesvillestatebank.com
- Employees
- 11
Quick answers
Janesville State Bank: common questions
Is Janesville State Bank FDIC insured?
Yes. Janesville State Bank is an FDIC-insured institution (FDIC certificate #10960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Janesville State Bank's TellerScore?
81 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 Janesville State Bank ever failed?
There is no failure record for FDIC certificate #10960 in the FDIC failed bank list.
How many branches does Janesville State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Janesville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Clair State Bank (Incorporated)Bank Saint Clair, MN | 85 out of 100, Very strong | $134.4M | 11.1% | 0.03% | vs |
| Elysian BankBank Elysian, MN | 79 out of 100, Strong | $76.0M | 12.2% | 0.74% | vs |
| Minnesota Valley Federal Credit UnionCredit union Mankato, MN | 77 out of 100, Strong | $329.0M | 11.5% | 0.56% | vs |
| Keen Bank, National AssociationBank Waseca, MN | 76 out of 100, Strong | $201.1M | 8.4% | 0.06% | vs |
| First State Bank of Le CenterBank Le Center, MN | 76 out of 100, Strong | $110.4M | 11.1% | 0.81% | vs |
| Cornerstone State BankBank Montgomery, MN | 74 out of 100, Strong | $247.0M | 10.6% | 0.80% | vs |