Headquartered in New Richland, Minnesota, State Bank of New Richland is a state-chartered bank with $124.2M in total assets and $81.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1898.
Based on its Q2 2026 filing, State Bank of New Richland scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 81st. Its strongest component is earnings (99/100; 1.97%), and its lowest is funding & liquidity (41/100; 135% loans-to-deposits, 23% uninsured).
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 rose 6 points (67 → 73), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 64 |
| Q4 2024 | 63 |
| Q1 2025 | 69 |
| Q2 2025 | 67 |
| Q3 2025 | 70 |
| Q4 2025 | 67 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.75% |
| Q3 2024 | 9.72% |
| Q4 2024 | 8.97% |
| Q1 2025 | 9.24% |
| Q2 2025 | 9.57% |
| Q3 2025 | 9.95% |
| Q4 2025 | 9.18% |
| Q1 2026 | 9.54% |
| Q2 2026 | 9.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.65% |
| Q2 2025 | 1.55% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.55% |
| Q1 2026 | 2.12% |
| Q2 2026 | 1.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $124.2M | 9.96% | 0.29% | 1.97% | 134.9% |
| Q1 2026 | 73 | $125.5M | 9.54% | 0.16% | 2.12% | 143.2% |
| Q4 2025 | 67 | $126.1M | 9.18% | 0.18% | 1.55% | 131.9% |
| Q3 2025 | 70 | $124.5M | 9.95% | 0.17% | 1.60% | 131.5% |
| Q2 2025 | 67 | $124.0M | 9.57% | 0.48% | 1.55% | 146.0% |
| Q1 2025 | 69 | $124.0M | 9.24% | 0.20% | 1.65% | 131.0% |
| Q4 2024 | 63 | $128.1M | 8.97% | 0.45% | 1.28% | 145.5% |
| Q3 2024 | 64 | $121.9M | 9.72% | 0.74% | 1.41% | 141.7% |
| Q2 2024 | 65 | $121.8M | 9.75% | 0.71% | 1.50% | 143.4% |
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 |
|---|---|---|---|---|---|
| Community First BankBank Menahga, MN | 90 out of 100, Very strong | $126.5M | 12.8% | 0.28% | vs |
| Key Community BankBank Inver Grove Heights, MN | 57 out of 100, Moderate | $121.0M | 10.7% | 0.00% | vs |
| Heritage Bank MinnesotaBank West Concord, MN | 57 out of 100, Moderate | $120.9M | 7.3% | 0.64% | vs |
| Global Innovations BankBank Kiester, MN | 70 out of 100, Strong | $120.1M | 8.5% | 0.03% | vs |
| The First National Bank of BagleyBank Bagley, MN | 60 out of 100, Moderate | $129.2M | 7.9% | 1.02% | vs |
| Minnesota Lakes BankBank Delano, MN | 53 out of 100, Below average | $129.8M | 10.7% | 3.18% | vs |
Deposit insurance
Is my money safe at State Bank of New Richland?
Yes. State Bank of New Richland is an FDIC-insured institution (FDIC certificate #9735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.3% of deposits ($18.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.91% (benchmark: 10%).
1 location
Branches
State Bank of New Richland lists 1 office in 1 city. Most locations:
- New Richland, MN (1)
Identity & history
Profile
- Legal name
- State Bank of New Richland
- Type
- State-chartered bank
- FDIC certificate #
- 9735
- RSSD ID
- 874452
- Primary regulator
- FDIC
- Holding company
- New Richland Bancshares Inc
- Established
- October 31, 1898
- Headquarters
- 103 Broadway Ave N, New Richland, MN 56072
- Website
- www.sbnr.biz
- Employees
- 11
Quick answers
State Bank of New Richland: common questions
Is State Bank of New Richland FDIC insured?
Yes. State Bank of New Richland is an FDIC-insured institution (FDIC certificate #9735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of New Richland's TellerScore?
73 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 State Bank of New Richland ever failed?
There is no failure record for FDIC certificate #9735 in the FDIC failed bank list.
How many branches does State Bank of New Richland have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New Richland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arcadian BankBank Hartland, MN | 85 out of 100, Very strong | $242.1M | 12.0% | 0.10% | vs |
| Trades & Labor Federal Credit UnionCredit union Albert Lea, MN | 85 out of 100, Very strong | $23.0M | 15.3% | 1.04% | vs |
| St. Clair State Bank (Incorporated)Bank Saint Clair, MN | 85 out of 100, Very strong | $134.4M | 11.1% | 0.03% | vs |
| Federated Employees Credit UnionCredit union Owatonna, MN | 82 out of 100, Strong | $66.7M | 13.2% | 0.19% | vs |
| Janesville State BankBank Janesville, MN | 81 out of 100, Strong | $98.8M | 11.4% | 0.00% | vs |
| Commerce BankBank Geneva, MN | 78 out of 100, Strong | $220.0M | 13.9% | 0.60% | vs |