State Bank of Lismore

State Bank of Lismore is headquartered in Lismore and is the 300^th largest bank in the state of Minnesota. It is also the 6,663^rd largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 8 employees at 1 location. State Bank of Lismore's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

State Bank of Lismore Routing Number: 091206062

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Data for Q1 2012

Institution Statistics State Bank of Lismore FDIC Certificate # 8190 BankRate Report View Year Established 1900 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $40.53 million Loans $29.61 million Deposits $32.75 million Equity Capital $4.38 million Loan Loss Allowance $302,000 Historic Data - March 2011 Assets $40.18 million Equity Capital $4.11 million Loan Loss Allowance $281,000 Unbacked Noncurrent Loans $12,000 Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 1.15% Return on Equity 10.76% Interest Income $457,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 State Bank of Lismore had $0 in non-current loans and owned real-estate with $4.68 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Lismore 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 In the past year, State Bank of Lismore has increased its total deposits by $124,000, resulting in 0.38% 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 State Bank of Lismore has shown is average. Capitalization 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. State Bank of Lismore has $40.53 million in assets with $4.68 million in equity, resulting in a capitalization level of 11.55%, which is above average.

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