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763-972-3385
710 Babcock Boulevard
Delano, MN 55328

Crow River Bank is headquartered in Delano and is the 194th largest bank in the state of Minnesota. It is also the 5,049th largest bank in the nation. It was established in 1982 and as of June of 2014, it had grown to 27 employees at 2 locations. Crow River Bank has a B+ health rating.

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Health

Data for Q2 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Crow River Bank has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Crow River Bank had $17,000 in non-current loans and owned real-estate with $7.73 million in equity and loan loss allowances on hand to cover it. This gives Crow River Bank a Texas Ratio of 0.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Crow River Bank decreased dramatically from 7.12% as of June 30, 2013 to 0.22% as of June 30, 2014, resulting in a positive change of 96.91%.This indicates that the balance sheet and financial strength for Crow River Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Crow River Bank has decreased its total deposits by $-51,000, resulting in -0.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Crow River Bank has shown is average.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Crow River Bank has $84.19 million in assets with $7.73 million in equity, resulting in a capitalization level of 9.18%, which is average.

Institution Statistics

Overall
FDIC Certificate #23986
Year Established1982
Employees27
Primary RegulatorFED
Assets and Liabilities
Assets$84.19 million
Loans$32.77 million
Deposits$69.19 million
Equity Capital$7.48 million
Loan Loss Allowance$248,000
Unbacked Noncurrent Loans$17,000
Real Estate Owned$0
Historic Data - June 2013
Assets$83.53 million
Equity Capital$6.73 million
Loan Loss Allowance$468,000
Unbacked Noncurrent Loans$17,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.62%
Return on Equity7.36%
Interest Income$1.59 million
Rates
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Crow River Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.11%-$20kEZ Reward Checking - Qualifying
0.03%--EZ Reward Checking - Non Qualifying
Locations


Crow River Bank Locations
Mound Branch2290 Commerce BoulevardMound, MN 55364
Crow River State Bank710 Babcock BoulevardDelano, MN 55328