Unverified listing What this means
The Lender Report built this page from public records. Root River State Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Root River State Bank itself. Each figure shows its source and date. Work at Root River State Bank? You can claim this page for free.
Bank, Chatfield, MN
Root River State Bank
Root River State Bank no longer files under this name. FDIC records show it merged into First National Bank on August 3, 2026.
- Kind
- Bank
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $17.1M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $86.8M
- FDIC call report,
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number or website.
- Address
- 18 3rd St Se, Chatfield, MN 55923FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Balances only
Balances only. No public file shows individual loans this lender made. Below is how its book moved.
| When | What the record shows | Source |
|---|---|---|
| August 3, 2026 | Merged into First National Bank on August 3, 2026.FDIC structure history. | FDIC history, |
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $1.15M | 4.1% | Not reported |
| Construction and land development | $250K | 0.9% | Not reported |
| Owner-occupied CRE | $2.38M | 8.4% | -2.7% |
| Non-owner-occupied CRE | $74.0K | 0.3% | Not reported |
| Farmland | $10.1M | 35.9% | -5.9% |
| Commercial and industrial | $3.11M | 11.0% | -7.9% |
| Commercial total | $17.1M |
Reference only: $5.58M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $19.7M |
| Q4 2023 | $19.4M |
| Q1 2024 | $19.1M |
| Q2 2024 | $20.4M |
| Q3 2024 | $19.7M |
| Q4 2024 | $18.8M |
| Q1 2025 | $18.7M |
| Q2 2025 | $18.1M |
| Q3 2025 | $17.7M |
| Q4 2025 | $17.0M |
| Q1 2026 | $16.3M |
| Q2 2026 | $17.1M |
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Root River State Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $87,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $1,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 56 | $1.07M |
| Over $100,000 up to $250,000 | 8 | $890K |
| Over $250,000 up to $1 million | 1 | $450K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 5 | $225K |
| Over $100,000 up to $250,000 | 6 | $840K |
| Over $250,000 up to $1 million | 3 | $1.36M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 3 | $89.0K |
| Over $100,000 up to $250,000 | 11 | $1.14M |
| Over $250,000 up to $500,000 | 11 | $2.63M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 73 | $1.82M |
| Over $100,000 up to $250,000 | 13 | $1.31M |
| Over $250,000 up to $500,000 | 9 | $2.31M |
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| Minnesota HQ | 1 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Root River State Bank has 1 office in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 1 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Fillmore County, MN | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Root River State Bank, FDIC certificate 1098. Compare it with the regulator's record. [FDIC BankFind]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 1098
- RSSD
- 309851
- The Lender Report ID
- lr_005778
- FDIC classifies this bank as
- Agricultural Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $86.8M in total assets as of June 30, 2026 (FDIC call report).
- Held $17.1M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $10.1M of farmland loans as of June 30, 2026 (FDIC call report).
- Held $3.1M of commercial and industrial loans as of June 30, 2026 (FDIC call report).
- Held $2.4M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Merged into First National Bank on August 3, 2026. Source: FDIC records.
3 more sentences
- Held 65 commercial and industrial loans that were $1 million or less when made, with a balance of $2.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 14 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $2.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $87K for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Root River State Bank, https://lender.report/lender/root-river-state-bank-mn/, data as of December 31, 2025.
Sources
- FDIC institution record, November 9, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem