TellerScore

Headquartered in Rolette, North Dakota, Rolette State Bank is a state-chartered bank with $51.5M in total assets and $46.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1928.

Based on its Q2 2026 filing, Rolette State Bank scores 78/100, which we describe as strong. That is higher than 60% of 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 13th. Its strongest component is loan quality (99/100; 0.04%), and its lowest is capital cushion (49/100; 9.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.87%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings82/100
Return on assets (annualized): 1.54%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 80.4% · 15.6% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.27%

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 4 points (82 → 78), mostly because the earnings component weakened by 18 points.

TellerScore
516782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202451
Q4 202472
Q1 202579
Q2 202582
Q3 202568
Q4 202579
Q1 202679
Q2 202678
Tier 1 leverage ratio
5.00%7.90%10.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.13%
Q3 20249.48%
Q4 20249.71%
Q1 202510.08%
Q2 202510.36%
Q3 202510.80%
Q4 202510.10%
Q1 202610.13%
Q2 20269.87%
Noncurrent loans
0.03%0.99%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20241.94%
Q4 20240.04%
Q1 20250.04%
Q2 20250.04%
Q3 20251.62%
Q4 20250.03%
Q1 20260.04%
Q2 20260.04%
Return on assets
0.86%1.58%2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20241.03%
Q4 20240.94%
Q1 20251.59%
Q2 20252.28%
Q3 20252.30%
Q4 20251.63%
Q1 20261.42%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$51.5M9.87%0.04%1.54%80.4%
Q1 202679$52.5M10.13%0.04%1.42%68.9%
Q4 202579$49.2M10.10%0.03%1.63%78.4%
Q3 202568$48.0M10.80%1.62%2.30%83.3%
Q2 202582$47.3M10.36%0.04%2.28%84.0%
Q1 202579$46.9M10.08%0.04%1.59%80.2%
Q4 202472$46.5M9.71%0.04%0.94%85.0%
Q3 202451$47.2M9.48%1.94%1.03%95.3%
Q2 202465$47.1M9.13%0.35%0.86%88.4%

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 ratio9.87%
17th
Total risk-based capital0.00%
27th
Problem loans0.04%
66th
Net charge-offs-0.01%
83rd
Return on assets1.54%
76th
Net interest margin4.68%
80th
Efficiency ratio67.2%
58th
Loans to deposits80.4%
29th
Uninsured deposits15.6%
52nd
Loan-loss reserves0.99%
30th
Texas ratio0.3%
66th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Grant County State BankBank Carson, ND91 out of 100, Very strong$46.7M13.9%0.00%vs
Kindred State BankBank Kindred, ND73 out of 100, Strong$43.3M8.4%0.13%vs
Aspire BankBank Fargo, ND72 out of 100, Strong$60.9M11.4%0.00%vs
State Bank of LakotaBank Lakota, ND71 out of 100, Strong$64.2M9.6%0.49%vs
Peoples State Bank, Fairmount, N. D.Bank Fairmount, ND70 out of 100, Strong$38.5M8.4%0.00%vs
Peoples State BankBank Westhope, ND87 out of 100, Very strong$69.9M13.5%0.00%vs

Deposit insurance

Is my money safe at Rolette State Bank?

Yes. Rolette State Bank is an FDIC-insured institution (FDIC certificate #9120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.6% of deposits ($7.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.87%, 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

1 location

Branches

Rolette State Bank lists 1 office in 1 city. Most locations:

  • Rolette, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
Rolette State Bank
Type
State-chartered bank
FDIC certificate #
9120
RSSD ID
1012457
Primary regulator
FDIC
Established
January 1, 1928
Headquarters
209 Main Street, Rolette, ND 58366
Employees
10

Quick answers

Rolette State Bank: common questions

Is Rolette State Bank FDIC insured?

Yes. Rolette State Bank is an FDIC-insured institution (FDIC certificate #9120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Rolette State Bank's TellerScore?

78 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 Rolette State Bank ever failed?

There is no failure record for FDIC certificate #9120 in the FDIC failed bank list.

How many branches does Rolette State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rolette

InstitutionScoreAssetsCapitalProblem loansCompare
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs
Turtle Mountain State BankBank Belcourt, ND71 out of 100, Strong$114.1M12.9%1.75%vs
Merchants BankBank Rugby, ND65 out of 100, Moderate$254.3M10.6%1.25%vs
Old National BankBank Evansville, IN59 out of 100, Moderate$73.9B8.8%0.92%vs
Starion BankBank Bismarck, ND56 out of 100, Moderate$2.1B9.4%1.45%vs
Dacotah BankBank Aberdeen, SD55 out of 100, Moderate$4.9B10.1%1.52%vs