C
The Bank of Elk River
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Bank of Elk River
Elk River, MN
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Rating C
Asset Quality Index 8.20
Capitalization Index 6.40
Liquidity Index 2.80
Profitability Index 4.20
Stability Index 4.10
Company Info The Bank of Elk River
Elk River, MN
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FDIC Number 1607
Phone Number (763) 441-1000
Website www.thebankofelkriver.com/
Asset Quality The Bank of Elk River
Elk River, MN
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1-Year Asset Growth 1.98%
5-Year Asset Growth 9.66%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.08%
Non-Performing Loans to Loans 0.03%
Balance Sheet The Bank of Elk River
Elk River, MN
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Total Assets 703.74M
Total Deposits 653.29M
Capital and Reserves The Bank of Elk River
Elk River, MN
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Capital 46.15M
Leverage Ratio 8.84
Loan Loss Reserves to Loans 1.08%
Risk-Based Capital Ratio 15.26
Liquidity The Bank of Elk River
Elk River, MN
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Hot Money Ratio 17.06%
Liquidity Ratio 29.04%
Profitability The Bank of Elk River
Elk River, MN
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5-Year Return on Average Assets 1.00%
Net Income 5.08M
Net Interest Spread 3.30%
Operating Profit to Average Assets 1.01%
Overhead Efficiency Ratio 70.10%
Return on Assets 0.95%
Return on Equity 16.60%