Odin State Bank (FDIC certificate #14574) is based in Odin, Minnesota. Its Q2 2026 call report shows $82.4M in total assets and $74.4M in deposits and 1 office.
Odin State Bank has a TellerScore of 39 out of 100 (low) based on Q2 2026 data — higher than only 3% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 217th. Funding & liquidity contributes the most (81/100, 80% loans-to-deposits, 9% uninsured); earnings contributes the least (16/100, -0.11%).
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 15 points (54 → 39), mostly because the earnings component weakened by 46 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 49 |
| Q4 2024 | 51 |
| Q1 2025 | 55 |
| Q2 2025 | 54 |
| Q3 2025 | 52 |
| Q4 2025 | 54 |
| Q1 2026 | 42 |
| Q2 2026 | 39 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.59% |
| Q3 2024 | 8.37% |
| Q4 2024 | 8.42% |
| Q1 2025 | 8.46% |
| Q2 2025 | 8.32% |
| Q3 2025 | 8.49% |
| Q4 2025 | 8.53% |
| Q1 2026 | 7.89% |
| Q2 2026 | 8.50% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.82% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.50% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.15% |
| Q2 2026 | 2.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.90% |
| Q2 2025 | 1.04% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.99% |
| Q1 2026 | -2.43% |
| Q2 2026 | -0.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 39 | $82.4M | 8.50% | 2.17% | -0.11% | 79.7% |
| Q1 2026 | 42 | $78.9M | 7.89% | 1.15% | -2.43% | 85.8% |
| Q4 2025 | 54 | $81.8M | 8.53% | 1.38% | 0.99% | 85.8% |
| Q3 2025 | 52 | $80.5M | 8.49% | 1.50% | 0.90% | 83.2% |
| Q2 2025 | 54 | $78.3M | 8.32% | 1.45% | 1.04% | 86.3% |
| Q1 2025 | 55 | $80.2M | 8.46% | 1.20% | 0.90% | 86.3% |
| Q4 2024 | 51 | $77.0M | 8.42% | 1.55% | 0.99% | 91.6% |
| Q3 2024 | 49 | $76.4M | 8.37% | 1.86% | 0.94% | 88.3% |
| Q2 2024 | 47 | $72.9M | 8.59% | 1.82% | 0.79% | 91.9% |
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 |
|---|---|---|---|---|---|
| American State Bank of GryglaBank Grygla, MN | 83 out of 100, Strong | $81.8M | 10.8% | 0.00% | vs |
| State Bank of Cold SpringBank Cold Spring, MN | 66 out of 100, Moderate | $81.7M | 10.1% | 1.60% | vs |
| Farmers & Merchants State Bank of New York Mills, IncorporatedBank New York Mills, MN | 64 out of 100, Moderate | $83.5M | 13.3% | 2.28% | vs |
| Lowry State BankBank Lowry, MN | 39 out of 100, Low | $84.1M | 9.6% | 3.18% | vs |
| Vantage BankBank Kent, MN | 68 out of 100, Moderate | $85.0M | 8.5% | 0.35% | vs |
| First Security Bank - CanbyBank Canby, MN | 97 out of 100, Very strong | $85.2M | 14.1% | 0.08% | vs |
Deposit insurance
Is my money safe at Odin State Bank?
Yes. Odin State Bank is an FDIC-insured institution (FDIC certificate #14574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.1% of deposits ($6.7M) 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 8.50%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.11% (benchmark: 10%).
1 location
Branches
Odin State Bank lists 1 office in 1 city. Most locations:
- Odin, MN (1)
Identity & history
Profile
- Legal name
- Odin State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14574
- RSSD ID
- 876157
- Primary regulator
- FDIC
- Holding company
- Odin Bancshares Inc
- Established
- June 9, 1904
- Headquarters
- 101 E Main St, Odin, MN 56160
- Website
- www.odinstatebank.com
- Employees
- 12
Quick answers
Odin State Bank: common questions
Is Odin State Bank FDIC insured?
Yes. Odin State Bank is an FDIC-insured institution (FDIC certificate #14574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Odin State Bank's TellerScore?
39 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Odin State Bank ever failed?
There is no failure record for FDIC certificate #14574 in the FDIC failed bank list.
How many branches does Odin State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Odin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Welcome State BankBank Welcome, MN | 90 out of 100, Very strong | $44.3M | 12.8% | 0.00% | vs |
| Worthington Federal Savings Bank, FSBBank Worthington, MN | 80 out of 100, Strong | $135.4M | 14.8% | 0.65% | vs |
| Profinium, Inc.Bank Truman, MN | 72 out of 100, Strong | $533.1M | 10.2% | 0.13% | vs |
| Pioneer BankBank Mapleton, MN | 71 out of 100, Strong | $883.8M | 10.2% | 0.58% | vs |
| Citizens Bank MinnesotaBank New Ulm, MN | 70 out of 100, Strong | $596.0M | 9.3% | 0.02% | vs |
| Farmers State Bank of TrimontBank Trimont, MN | 70 out of 100, Strong | $73.1M | 17.4% | 1.05% | vs |