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Acquisition dossier · FDIC #14574

Odin State Bank

Odin, MN · Watonwan County · FDIC

$78.9M assets1 officesODIN BANCSHARES INC6/6 core metrics available
Acquisition score94Signal: Earnings pressure

Where this bank sits among peers

871 same-period banks with 0.5× to 2× this bank’s assets. Selected bank excluded.

View metric table ↓
Return on assets869 reported
071142Up to -0.21%: 52 banks-0.21% 0.07%: 26 banks0.07% 0.36%: 62 banks0.36% 0.64%: 93 banks0.64% 0.92%: 131 banks0.92% 1.2%: 142 banks1.2% 1.49%: 137 banks1.49% 1.77%: 83 banks1.77% 2.05%: 62 banksFrom 2.05%: 81 banks≤-0.49%≥2.34%
Median 1.06%Selected bank -2.43% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< -0.21%52
-0.21% to < 0.07%26
0.07% to < 0.36%62
0.36% to < 0.64%93
0.64% to < 0.92%131
0.92% to < 1.2%142
1.2% to < 1.49%137
1.49% to < 1.77%83
1.77% to < 2.05%62
≥ 2.05%81

Full range: -12.76% to 19.97%. 2 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 1 / 100. Larger values are not necessarily better.

Net interest margin871 reported
072144Up to 2.83%: 83 banks2.83% 3.11%: 64 banks3.11% 3.4%: 91 banks3.4% 3.68%: 120 banks3.68% 3.96%: 144 banks3.96% 4.25%: 97 banks4.25% 4.53%: 89 banks4.53% 4.81%: 67 banks4.81% 5.09%: 52 banksFrom 5.09%: 64 banks≤2.55%≥5.38%
Median 3.82%Selected bank 3.91%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 2.83%83
2.83% to < 3.11%64
3.11% to < 3.4%91
3.4% to < 3.68%120
3.68% to < 3.96%144
3.96% to < 4.25%97
4.25% to < 4.53%89
4.53% to < 4.81%67
4.81% to < 5.09%52
≥ 5.09%64

Full range: -0.95% to 7.75%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 55 / 100. Larger values are not necessarily better.

Efficiency ratio871 reported
078155Up to 49.22%: 92 banks49.22% 55.68%: 71 banks55.68% 62.15%: 155 banks62.15% 68.61%: 151 banks68.61% 75.08%: 107 banks75.08% 81.54%: 102 banks81.54% 88.01%: 74 banks88.01% 94.47%: 43 banks94.47% 100.94%: 17 banksFrom 100.94%: 59 banks≤42.75%≥107.4%
Median 67.1%Selected bank 51.9%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 49.22%92
49.22% to < 55.68%71
55.68% to < 62.15%155
62.15% to < 68.61%151
68.61% to < 75.08%107
75.08% to < 81.54%102
81.54% to < 88.01%74
88.01% to < 94.47%43
94.47% to < 100.94%17
≥ 100.94%59

Full range: 0% to 436.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 14 / 100. Larger values are not necessarily better.

Equity to assets871 reported
084167Up to 8%: 124 banks8% 9.64%: 167 banks9.64% 11.29%: 159 banks11.29% 12.93%: 136 banks12.93% 14.58%: 93 banks14.58% 16.22%: 63 banks16.22% 17.87%: 40 banks17.87% 19.51%: 18 banks19.51% 21.16%: 21 banksFrom 21.16%: 50 banks≤6.35%≥22.8%
Median 11.1%Selected bank 7.4%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 8%124
8% to < 9.64%167
9.64% to < 11.29%159
11.29% to < 12.93%136
12.93% to < 14.58%93
14.58% to < 16.22%63
16.22% to < 17.87%40
17.87% to < 19.51%18
19.51% to < 21.16%21
≥ 21.16%50

Full range: 1.5% to 99.1%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 9 / 100. Larger values are not necessarily better.

Uninsured deposits871 reported
073145Up to 9.15%: 125 banks9.15% 12.85%: 125 banks12.85% 16.55%: 139 banks16.55% 20.25%: 145 banks20.25% 23.95%: 98 banks23.95% 27.65%: 82 banks27.65% 31.35%: 43 banks31.35% 35.05%: 38 banks35.05% 38.75%: 18 banksFrom 38.75%: 58 banks≤5.45%≥42.45%
Median 17.7%Selected bank 8.5%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 9.15%125
9.15% to < 12.85%125
12.85% to < 16.55%139
16.55% to < 20.25%145
20.25% to < 23.95%98
23.95% to < 27.65%82
27.65% to < 31.35%43
31.35% to < 35.05%38
35.05% to < 38.75%18
≥ 38.75%58

Full range: 0.4% to 97.5%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 13 / 100. Larger values are not necessarily better.

Noncurrent loans871 reported
0226452Up to 0.43%: 452 banks0.43% 0.85%: 111 banks0.85% 1.28%: 80 banks1.28% 1.71%: 52 banks1.71% 2.14%: 45 banks2.14% 2.56%: 25 banks2.56% 2.99%: 21 banks2.99% 3.42%: 18 banks3.42% 3.84%: 12 banksFrom 3.84%: 55 banks≤0%≥4.27%
Median 0.39%Selected bank 1.15%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.43%452
0.43% to < 0.85%111
0.85% to < 1.28%80
1.28% to < 1.71%52
1.71% to < 2.14%45
2.14% to < 2.56%25
2.56% to < 2.99%21
2.99% to < 3.42%18
3.42% to < 3.84%12
≥ 3.84%55

Full range: 0% to 21.44%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 72 / 100. Larger values are not necessarily better.

Custom asset cohort, not official UBPR peers. At least five reported observations required per metric.

Reported facts, not a recommendation

Operating evidence

6 / 6 available
Same-period comparisons. Changes in basis points; 100 bp = 1 percentage point.
MetricReportedQoQYoYPeer medianValue percentileValid peers
Earnings-2.43%-342 bp-333 bp1.06%1 / 100869
Earnings3.91%+32 bp+66 bp3.82%55 / 100871
Earnings51.90%N/AN/A67.10%14 / 100871
Capital7.40%-100 bp+30 bp11.10%9 / 100871
Franchise8.50%N/AN/A17.70%13 / 100871
Credit1.15%N/AN/A0.39%72 / 100871
Peer definition, reporting period and interpretation

Custom asset cohort: active banks with 0.5× to 2× this bank’s assets in the same reporting period, excluding this bank. The cohort has 871 institutions. Each metric excludes missing values; fewer than five valid peers suppresses the median and percentile. This is not an official UBPR peer group.

A higher percentile means a larger value, not a better bank. Ties use midrank. Equity/assets is not a regulatory capital ratio. ROA and margin retain the provider’s reported definitions; quarter changes compare reported ratios, not standalone quarterly earnings.

Financial period: 2026-03-31. Missing periods remain N/A. Source: Call Report financials via FDIC.

Questions to take into diligence
  • Return on assets: Separate recurring earnings from one-off items before setting a valuation.
  • Net interest margin: Review deposit repricing and asset yields to test earnings durability.
  • Efficiency ratio: Validate achievable cost savings and the integration expense required.
  • Equity to assets: Test closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.
  • Uninsured deposits: Review depositor concentration, retention and liquidity under runoff assumptions.
  • Noncurrent loans: Inspect loan-level losses, reserves and collateral before accepting a credit mark.
Diligence considerations

Factors to review

1

Efficiency ratioValidate achievable cost savings and the integration expense required.

2

Uninsured depositsReview depositor concentration, retention and liquidity under runoff assumptions.

3

Net interest marginReview deposit repricing and asset yields to test earnings durability.

Diligence priorities

1

Equity to assetsTest closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.

2

Return on assetsSeparate recurring earnings from one-off items before setting a valuation.

3

Noncurrent loansInspect loan-level losses, reserves and collateral before accepting a credit mark.

Franchise footprint

1 reported branch

$71.2M branch deposits
  1. 1
    Odin State BankOdin, MN · Watonwan
    $71.2MDeposits

Evidence timeline

Structure changes and public-company filings

0 linked records