$26.9M
−11.2%y/y
Percentile by value43rd percentileby value
FDIC
LNLSGRRR
Root River State Bank
Chatfield, MinnesotaFDIC Cert #1098
STATEEstablished 18561 branch
Holding company: JOHNSON BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $2.43M |
| Investor CRE | $75K |
| Multifamily | $675K |
| Construction | $250K |
| 1–4 family | $5.9M |
| C&I | $2.73M |
| Agriculture | $14.7M |
| Other | $142K |
Loan book
Reported balances and balance-sheet intensity.
$26.6M
−11.3%y/y
Percentile by value43rd percentileby value
FDIC
LNLSNET−11.29%
−1,882.8%y/y
Percentile by value6th percentileby value
FDIC
LNLSNET32.6%
−17.0%y/y
Percentile by value11th percentileby value
FDIC
LNLSNET + DEP30.3%
−17.3%y/y
Percentile by value19th percentileby value
FDIC
LNLSNET + ASSET72.29%
−1.4%y/y
Percentile by value56th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
11%
−30.3%y/y
Percentile by value36th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC3%
−36.3%y/y
Percentile by value50th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,378points
+1.0%y/y
Peer standing60th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD9.03%
+9.6%y/y
Percentile by value73rd percentileby value
FDIC
LNRENROW + LNLSGR0.28%
−73.7%y/y
Percentile by value24th percentileby value
FDIC
LNRENROT + LNLSGR10.14%
−10.6%y/y
Percentile by value56th percentileby value
FDIC
LNCI + LNLSGR