TellerScore

Worthington Federal Savings Bank, FSB (FDIC certificate #29426) is based in Worthington, Minnesota. Its Q2 2026 call report shows $135.4M in total assets and $113.3M in deposits and 3 offices.

Worthington Federal Savings Bank, FSB has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 39th. Capital cushion contributes the most (98/100, 14.83%); earnings contributes the least (45/100, 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Tier 1 leverage ratio: 14.83%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.65%
Earnings45/100
Return on assets (annualized): 0.61%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 77.9% · 3.9% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.85%

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 4 points (76 → 80), mostly because the earnings component improved by 16 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202476
Q4 202476
Q1 202576
Q2 202576
Q3 202584
Q4 202581
Q1 202681
Q2 202680
Tier 1 leverage ratio
5.00%10.26%15.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.92%
Q3 202413.98%
Q4 202414.12%
Q1 202513.92%
Q2 202513.89%
Q3 202515.52%
Q4 202514.76%
Q1 202614.43%
Q2 202614.83%
Noncurrent loans
0.31%0.48%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.34%
Q4 20240.33%
Q1 20250.33%
Q2 20250.31%
Q3 20250.34%
Q4 20250.43%
Q1 20260.40%
Q2 20260.65%
Return on assets
0.17%0.46%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.21%
Q3 20240.20%
Q4 20240.23%
Q1 20250.17%
Q2 20250.23%
Q3 20250.75%
Q4 20250.60%
Q1 20260.61%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$135.4M14.83%0.65%0.61%77.9%
Q1 202681$136.2M14.43%0.40%0.61%79.3%
Q4 202581$132.9M14.76%0.43%0.60%81.9%
Q3 202584$132.7M15.52%0.34%0.75%82.3%
Q2 202576$106.3M13.89%0.31%0.23%84.4%
Q1 202576$105.6M13.92%0.33%0.17%82.5%
Q4 202476$102.8M14.12%0.33%0.23%84.8%
Q3 202476$104.2M13.98%0.34%0.20%83.9%
Q2 202476$104.2M13.92%0.34%0.21%82.3%

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 ratio14.83%
86th
Total risk-based capital31.89%
97th
Problem loans0.65%
39th
Net charge-offs0.00%
68th
Return on assets0.61%
16th
Net interest margin3.00%
10th
Efficiency ratio67.0%
37th
Loans to deposits77.9%
54th
Uninsured deposits3.9%
100th
Loan-loss reserves0.60%
5th
Texas ratio2.9%
49th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Western National BankBank Duluth, MN55 out of 100, Moderate$135.8M8.5%0.00%vs
St. Clair State Bank (Incorporated)Bank Saint Clair, MN85 out of 100, Very strong$134.4M11.1%0.03%vs
The First National Bank of Moose LakeBank Moose Lake, MN94 out of 100, Very strong$133.7M16.0%0.10%vs
The First National Bank of CokatoBank Cokato, MN68 out of 100, Moderate$138.2M8.5%0.25%vs
Security State Bank of WarroadBank Warroad, MN62 out of 100, Moderate$138.3M16.4%4.17%vs
Farmers and Merchants State Bank of SpringfieldBank Springfield, MN42 out of 100, Below average$139.8M8.7%4.48%vs

Deposit insurance

Is my money safe at Worthington Federal Savings Bank, FSB?

Yes. Worthington Federal Savings Bank, FSB is an FDIC-insured institution (FDIC certificate #29426). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 3.9% of deposits ($4.5M) 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 14.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 31.89% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Worthington Federal Savings Bank, FSB lists 3 offices in 3 cities. Most locations:

  • Jackson, MN (1)
  • Lakefield, MN (1)
  • Worthington, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Worthington Federal Savings Bank, FSB
Former names
Worthington Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
29426
RSSD ID
258874
Primary regulator
OCC
Established
May 3, 1935
Headquarters
418 11th St, Worthington, MN 56187
Employees
16

Quick answers

Worthington Federal Savings Bank, FSB: common questions

Is Worthington Federal Savings Bank, FSB FDIC insured?

Yes. Worthington Federal Savings Bank, FSB is an FDIC-insured institution (FDIC certificate #29426). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Worthington Federal Savings Bank, FSB's TellerScore?

80 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 Worthington Federal Savings Bank, FSB ever failed?

There is no failure record for FDIC certificate #29426 in the FDIC failed bank list.

How many branches does Worthington Federal Savings Bank, FSB have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Worthington

InstitutionScoreAssetsCapitalProblem loansCompare
Savings BankBank Primghar, IA80 out of 100, Strong$304.8M13.6%0.32%vs
Iowa State BankBank Hull, IA78 out of 100, Strong$1.3B11.7%0.06%vs
Rolling Hills Bank & TrustBank Atlantic, IA77 out of 100, Strong$484.4M11.8%0.30%vs
Sibley State BankBank Sibley, IA77 out of 100, Strong$104.4M11.0%0.46%vs
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs