Frost State Bank
Frost, MN
IDRSSD: 943853
Total Assets
$53.84M
Latest filing
Total Deposits
$43.99M
Latest filing
Net Interest Margin
4.71%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Frost State Bank
205 Main St
Frost, MN 56033
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/20/1985FDIC Certificate 33221
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Frost State Bank (Main) | 205 Main St | Frost, MN | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/20/1985 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56033 |
| State and County Number | 27043 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 7 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/20/1985 |
| Primary Insurance Agency | DIF |
| Website | froststatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 26519 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $53.84M |
| Total Deposits | $43.99M |
| Total Liabilities | $44.71M |
| Total Equity Capital | $9.13M |
| Net Income | $282.00k |
| Net Loans and Leases | $46.09M |
| Assets Per Employee ($Millions) | $7.69M |
| Bank Premises and Fixed Assets | $21.00k |
| Cash and Balances due from Depository Institutions | $3.59M |
| Deposits Held in Domestic Offices | $43.99M |
Key Performance Ratios
| Return on Assets (ROA) | 2.1% |
| Return on Equity (ROE) | 12.54% |
| Net Interest Margin | 4.71% |
| Efficiency Ratio | 36.74% |
| Tier 1 Risk-Based Capital Ratio | 18.211% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.965% |
| Earning Assets to total Assets | 93.32% |
Income and Expense
| Total Interest Income | $962.00k |
| Total Noninterest Income | $34.00k |
| Total Interest Expense | $370.00k |
| Total Noninterest Expense | $230.00k |
| Net Interest Income | $592.00k |
| Pre-tax Net Operating Income | $396.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $51.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.37M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $724.00k |
| Total Liabilities and Capital | $53.84M |
Securities
| Securities | $1.04M |
| Available-for-sale debt securities | $1.04M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Frost State Bank?
$53.84M as of the latest filing.
How much are Frost State Bank's total deposits?
$43.99M in total deposits.
Where is Frost State Bank located?
Frost, MN.
What is the Net Interest Margin?
4.71%.
How many domestic offices does it operate?
1.
When was it established?
12/20/1985.
What is the Return on Assets (ROA)?
2.1%.
How much are total loans and leases?
$46.09M (latest filing).
What is the total interest income (latest filing)?
$962.00k.