D
Frost State Bank
FrostMN
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Frost State Bank
Frost, MN
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Rating D
Asset Quality Index 5.70
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 4.80
Stability Index 3.70
Company Info Frost State Bank
Frost, MN
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FDIC Number 26519
Phone Number (507) 878-3203
Website www.froststatebank.com
Asset Quality Frost State Bank
Frost, MN
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1-Year Asset Growth 5.77%
5-Year Asset Growth -0.56%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 3.96%
Non-Performing Assets to Assets 0.22%
Non-Performing Loans to Capital 1.25%
Non-Performing Loans to Loans 0.25%
Balance Sheet Frost State Bank
Frost, MN
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Total Assets 53.42M
Total Deposits 44.07M
Capital and Reserves Frost State Bank
Frost, MN
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Capital 8.68M
Leverage Ratio 16.38
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio 19.10
Liquidity Frost State Bank
Frost, MN
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Hot Money Ratio 48.64%
Liquidity Ratio 15.22%
Profitability Frost State Bank
Frost, MN
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5-Year Return on Average Assets 1.72%
Net Income 117.00K
Net Interest Spread 4.37%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 35.46%
Return on Assets 0.88%
Return on Equity 5.43%