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Overview / Commentary
763-972-3385
710 Babcock Boulevard
Delano, MN 55328

Crow River Bank is headquartered in Delano and is the 198th largest bank in the state of Minnesota. It is also the 5,106th largest bank in the nation. It was established in 1982 and as of March 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 Q1 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 March 31, 2014 Crow River Bank had $0 in non-current loans and owned real-estate with $7.56 million in equity and loan loss allowances on hand to cover it. This gives Crow River Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A+

In the past year, Crow River Bank has increased its total deposits by $4.84 million, resulting in 7.48% 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 excellent.

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 $84.34 million in assets with $7.56 million in equity, resulting in a capitalization level of 8.96%, which is average.

Institution Statistics

Overall
FDIC Certificate #23986
Year Established1982
Employees27
Primary RegulatorFED
Assets and Liabilities
Assets$84.34 million
Loans$30.87 million
Deposits$69.60 million
Equity Capital$7.31 million
Loan Loss Allowance$246,000
Real Estate Owned$0
Historic Data - March 2013
Assets$83.23 million
Equity Capital$8.97 million
Loan Loss Allowance$546,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.56%
Return on Assets0.43%
Return on Equity5.31%
Interest Income$788,000
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