Grand Marais State Bank (FDIC #8842): Bank Stress & Real-Estate Credit Exposure
Grand Marais State Bank (FDIC Cert #8842): bank stress 63/100, elevated, STABLE over 7 days; parent CENTRAL TRUST CO.
Grand Marais State Bank (#8842) lends in 4 counties across 1 state; Grand Marais State Bank (#8842) reaches 43 ZIP codes: Minnesota 4 counties, 43 ZIPs.
Grand Marais State Bank (#8842) largest markets: Renville County, MN (16 branches, 16 ZIPs) (#8842), Mcleod County, MN (12 branches, 12 ZIPs) (#8842), Big Stone County, MN (11 branches, 11 ZIPs) (#8842), Cook County, MN (12 branches, 6 ZIPs) (#8842).
Grand Marais State Bank (#8842) reports $207.2 million in total assets; Grand Marais State Bank (#8842) equity $16.7 million (8.1% of Grand Marais State Bank (#8842) assets); Grand Marais State Bank (#8842) domestic deposits $189.6 million; Grand Marais State Bank (#8842) net income $1.8 million; Grand Marais State Bank (#8842) return on assets 1.71%; Grand Marais State Bank (#8842) return on equity 21.55%; Grand Marais State Bank (#8842) net interest income $4.2 million; Grand Marais State Bank (#8842) call report June 30, 2026.
Grand Marais State Bank (#8842) noncurrent real-estate loans: none reported; Grand Marais State Bank (#8842) net charge-offs on real estate 0.11%.
Grand Marais State Bank (#8842) net interest margin 4.19% against an eight-quarter Grand Marais State Bank (#8842) average of 3.53% (Grand Marais State Bank (#8842) compression -0.66 points); Grand Marais State Bank (#8842) rate-exposure score 40/100, Grand Marais State Bank (#8842) fixed-rate trap 40/100; Grand Marais State Bank (#8842) risk type credit driven; Grand Marais State Bank (#8842) rate regime rates elevated, Grand Marais State Bank (#8842) snapshot October 20, 2026.
Grand Marais State Bank (#8842) stress score moved from 66.4 on June 22, 2026 to 63.2 on October 20, 2026; Grand Marais State Bank (#8842) ranged 63.2 to 66.4 over 117 snapshots.
Grand Marais State Bank (#8842) alerts: 4 counties; top Grand Marais State Bank (#8842) alert scores: Buffalo Lake County, MN 24 (low); Hutchinson County, MN 24 (low); Ortonville County, MN 24 (low); Tofte County, MN 24 (low).