TellerScore

Produce State Bank (FDIC certificate #10178) is based in Hollandale, Minnesota. Its Q2 2026 call report shows $107.2M in total assets and $94.6M in deposits and 4 offices.

Produce State Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 115th. Funding & liquidity contributes the most (98/100, 63% loans-to-deposits, 10% uninsured); capital cushion contributes the least (53/100, 10.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.33%
Loan quality58/100
Noncurrent loans ÷ total loans: 1.26%
Earnings73/100
Return on assets (annualized): 1.31%
Funding & liquidity98/100
Loans ÷ deposits and uninsured-deposit share: 62.6% · 9.8% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.02%

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 (68 → 69).

TellerScore
656973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202472
Q1 202569
Q2 202568
Q3 202567
Q4 202566
Q1 202665
Q2 202669
Tier 1 leverage ratio
5.00%7.66%10.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.88%
Q3 202410.00%
Q4 202410.04%
Q1 20259.92%
Q2 202510.11%
Q3 202510.12%
Q4 202510.09%
Q1 202610.12%
Q2 202610.33%
Noncurrent loans
1.05%1.31%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.05%
Q3 20241.14%
Q4 20241.21%
Q1 20251.34%
Q2 20251.43%
Q3 20251.40%
Q4 20251.56%
Q1 20261.54%
Q2 20261.26%
Return on assets
1.31%1.56%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.80%
Q3 20241.82%
Q4 20241.74%
Q1 20251.55%
Q2 20251.45%
Q3 20251.36%
Q4 20251.35%
Q1 20261.31%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$107.2M10.33%1.26%1.31%62.6%
Q1 202665$110.6M10.12%1.54%1.31%61.9%
Q4 202566$113.6M10.09%1.56%1.35%56.6%
Q3 202567$108.0M10.12%1.40%1.36%56.4%
Q2 202568$106.8M10.11%1.43%1.45%56.0%
Q1 202569$111.1M9.92%1.34%1.55%52.9%
Q4 202472$113.4M10.04%1.21%1.74%54.7%
Q3 202473$109.7M10.00%1.14%1.82%54.1%
Q2 202473$110.9M9.88%1.05%1.80%52.7%

2,650 peers · $100 million – $1 billion

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 ratio10.33%
38th
Total risk-based capital0.00%
24th
Problem loans1.26%
23rd
Net charge-offs-0.15%
99th
Return on assets1.31%
54th
Net interest margin4.54%
81st
Efficiency ratio63.7%
46th
Loans to deposits62.6%
80th
Uninsured deposits9.8%
94th
Loan-loss reserves1.07%
35th
Texas ratio6.0%
30th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Prairie Sun BankBank Milan, MN58 out of 100, Moderate$107.0M9.9%1.82%vs
First State Bank MinnesotaBank Le Roy, MN76 out of 100, Strong$105.9M11.4%0.80%vs
Hometown Community BankBank Cyrus, MN57 out of 100, Moderate$105.7M9.1%1.78%vs
Red River State BankBank Halstad, MN59 out of 100, Moderate$110.2M15.2%8.88%vs
First State Bank of Le CenterBank Le Center, MN76 out of 100, Strong$110.4M11.1%0.81%vs
Community Bank OwatonnaBank Owatonna, MN63 out of 100, Moderate$103.3M8.0%0.42%vs

Deposit insurance

Is my money safe at Produce State Bank?

Yes. Produce State Bank is an FDIC-insured institution (FDIC certificate #10178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.8% of deposits ($9.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.33%, 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

4 locations

Branches

Produce State Bank lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Produce State Bank
Former names
Produce State Bank of Hollandale
Type
State-chartered bank
FDIC certificate #
10178
RSSD ID
24659
Primary regulator
FDIC
Established
August 2, 1926
Headquarters
109 Park Ave W, Hollandale, MN 56045
Employees
22

Quick answers

Produce State Bank: common questions

Is Produce State Bank FDIC insured?

Yes. Produce State Bank is an FDIC-insured institution (FDIC certificate #10178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Produce State Bank's TellerScore?

69 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 Produce State Bank ever failed?

There is no failure record for FDIC certificate #10178 in the FDIC failed bank list.

How many branches does Produce State Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hollandale

InstitutionScoreAssetsCapitalProblem loansCompare
Austin City Employees Credit UnionCredit union Austin, MN97 out of 100, Very strong$11.6M19.1%0.00%vs
Mower County Employees Credit UnionCredit union Austin, MN90 out of 100, Very strong$13.4M14.7%0.17%vs
Trades & Labor Federal Credit UnionCredit union Albert Lea, MN85 out of 100, Very strong$23.0M15.3%1.04%vs
Arcadian BankBank Hartland, MN85 out of 100, Very strong$242.1M12.0%0.10%vs
Federated Employees Credit UnionCredit union Owatonna, MN82 out of 100, Strong$66.7M13.2%0.19%vs
Commerce BankBank Geneva, MN78 out of 100, Strong$220.0M13.9%0.60%vs