Rushford State Bank (Incorporated) is a state-chartered bank headquartered in Rushford, Minnesota, in business for about 159 years. At the end of Q2 2026 it reported $114.7M in total assets and $104.8M in deposits, with 2 offices.
Based on its Q2 2026 filing, Rushford State Bank (Incorporated) scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 195th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 15% uninsured), and its lowest is capital cushion (20/100; 7.02%).
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 5 points (59 → 54), mostly because the earnings component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 60 |
| Q4 2024 | 65 |
| Q1 2025 | 65 |
| Q2 2025 | 59 |
| Q3 2025 | 56 |
| Q4 2025 | 56 |
| Q1 2026 | 55 |
| Q2 2026 | 54 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 5.86% |
| Q3 2024 | 6.22% |
| Q4 2024 | 6.63% |
| Q1 2025 | 6.52% |
| Q2 2025 | 6.57% |
| Q3 2025 | 6.91% |
| Q4 2025 | 6.85% |
| Q1 2026 | 6.84% |
| Q2 2026 | 7.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.84% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.16% |
| Q2 2026 | 0.93% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.06% |
| Q1 2026 | 0.94% |
| Q2 2026 | 0.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $114.7M | 7.02% | 0.93% | 0.40% | 55.2% |
| Q1 2026 | 55 | $114.6M | 6.84% | 1.16% | 0.94% | 54.2% |
| Q4 2025 | 56 | $110.2M | 6.85% | 1.26% | 1.06% | 58.1% |
| Q3 2025 | 56 | $106.7M | 6.91% | 1.23% | 1.13% | 62.5% |
| Q2 2025 | 59 | $105.7M | 6.57% | 0.84% | 1.11% | 61.1% |
| Q1 2025 | 65 | $106.2M | 6.52% | 0.03% | 0.95% | 59.0% |
| Q4 2024 | 65 | $101.2M | 6.63% | 0.03% | 0.94% | 61.2% |
| Q3 2024 | 60 | $98.4M | 6.22% | 0.07% | 0.46% | 61.9% |
| Q2 2024 | 58 | $94.6M | 5.86% | 0.09% | 0.30% | 62.2% |
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).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State Bank of AitkinBank Aitkin, MN | 56 out of 100, Moderate | $114.5M | 10.8% | 2.24% | vs |
| Farmers State Bank of UnderwoodBank Underwood, MN | 74 out of 100, Strong | $113.8M | 8.6% | 0.03% | vs |
| Security State Bank of WanamingoBank Wanamingo, MN | 84 out of 100, Strong | $112.7M | 11.4% | 0.00% | vs |
| Mid-Central National BankBank Wadena, MN | 77 out of 100, Strong | $117.1M | 14.9% | 0.76% | vs |
| First State Bank of BigforkBank Bigfork, MN | 46 out of 100, Below average | $117.4M | 11.3% | 6.39% | vs |
| The First National Bank of ColeraineBank Coleraine, MN | 65 out of 100, Moderate | $112.0M | 7.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Rushford State Bank (Incorporated)?
Yes. Rushford State Bank (Incorporated) is an FDIC-insured institution (FDIC certificate #11411). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.7% of deposits ($15.4M) 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 7.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.24% (benchmark: 10%).
2 locations
Branches
Rushford State Bank (Incorporated) lists 2 offices in 2 cities. Most locations:
- Houston, MN (1)
- Rushford, MN (1)
Identity & history
Profile
- Legal name
- Rushford State Bank (Incorporated)
- Type
- State-chartered bank
- FDIC certificate #
- 11411
- RSSD ID
- 884657
- Primary regulator
- FDIC
- Holding company
- Gebsco Inc
- Established
- March 7, 1867
- Headquarters
- 219 S Mill St, Rushford, MN 55971
- Website
- www.rushfordstatebank.com
- Employees
- 16
Quick answers
Rushford State Bank (Incorporated): common questions
Is Rushford State Bank (Incorporated) FDIC insured?
Yes. Rushford State Bank (Incorporated) is an FDIC-insured institution (FDIC certificate #11411). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Rushford State Bank (Incorporated)'s TellerScore?
54 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 Rushford State Bank (Incorporated) ever failed?
There is no failure record for FDIC certificate #11411 in the FDIC failed bank list.
How many branches does Rushford State Bank (Incorporated) have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rushford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bluff View BankBank Galesville, WI | 90 out of 100, Very strong | $152.8M | 14.9% | 0.00% | vs |
| Altra Federal Credit UnionCredit union Onalaska, WI | 78 out of 100, Strong | $3.1B | 12.7% | 0.46% | vs |
| First National BankBank Oldham, SD | 77 out of 100, Strong | $477.8M | 18.4% | 2.01% | vs |
| Wnb Financial, N.A.Bank Winona, MN | 76 out of 100, Strong | $583.7M | 10.3% | 0.08% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| Citizens First BankBank Viroqua, WI | 75 out of 100, Strong | $344.5M | 10.3% | 0.44% | vs |