$136M
+29.0%y/y
Percentile by value24th percentileby value
FDIC
ASSETWF
Worthington Federal Savings Bank, FSB
Worthington, MinnesotaFDIC Cert #29426
OCCEstablished 19353 branches
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportWorthington Federal Savings Bank, FSB reported $136M in total assets. Deposits grew 31.03% over the prior year.
Return on assets was 0.61%, compared with the official FFIEC UBPR peer median of 0.54%. The leverage ratio was 14.43%.
- Why is Deposit Growth, Year over Year above its official FFIEC UBPR peers?
- Why is Net Loan Growth, Year over Year above its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$113M
+31.0%y/y
Percentile by value28th percentileby value
FDIC
DEP$89.4M
+26.0%y/y
Percentile by value31st percentileby value
FDIC
LNLSNET0.61%
+44 bpsy/y
Peer standing55th percentile
FDIC
NETINC + ROA63.73%
−2,535 bpsy/y
Peer standing89th percentile
FDIC
NONIX + NIM + NONII + EEFFR14.43%
+51 bpsy/y
Peer standing67th percentile
FDIC
RBC1AAJPercentiles compare this bank with 122 ffiec ubpr peer group 103 — insured savings banks having assets between $100 million and $300 million.
Side-by-side comparison
Worthington Federal Savings Bank, FSB beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.61%
Registry median
0.54%
This bank
4.19%
FFIEC trimmed average
4.15%
This bank
3.08%
Registry median
3.25%
This bank
63.73%
Registry median
82.11%
This bank
+31.03%
FFIEC trimmed average
+2.57%
This bank
+26.00%
FFIEC trimmed average
+3.81%
This bank
0.40%
FFIEC trimmed average
0.64%
This bank
14.43%
FFIEC trimmed average
13.78%
This bank
2.36%
Registry median
2.36%
This bank
3%
Registry median
49%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.61%
Registry median
1.06%
This bank
4.19%
FFIEC trimmed average
15.83%
This bank
3.08%
Registry median
3.90%
This bank
63.73%
Registry median
63.73%
This bank
+31.03%
FFIEC trimmed average
+7.24%
This bank
+26.00%
FFIEC trimmed average
+15.58%
This bank
0.40%
FFIEC trimmed average
0.47%
This bank
14.43%
FFIEC trimmed average
12.47%
This bank
2.36%
Registry median
1.66%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $97M | $82.5M |
| Q3 2021 | $97.3M | $82.9M |
| Q4 2021 | $101M | $86.2M |
| Q1 2022 | $102M | $88.5M |
| Q2 2022 | $99M | $85.7M |
| Q3 2022 | $99.7M | $83.6M |
| Q4 2022 | $99.7M | $81.6M |
| Q1 2023 | $99.3M | $82.5M |
| Q2 2023 | $100M | $81.6M |
| Q3 2023 | $101M | $82.5M |
| Q4 2023 | $104M | $85.1M |
| Q1 2024 | $105M | $86.1M |
| Q2 2024 | $104M | $85.3M |
| Q3 2024 | $104M | $84.4M |
| Q4 2024 | $103M | $83.3M |
| Q1 2025 | $106M | $86M |
| Q2 2025 | $106M | $87.2M |
| Q3 2025 | $133M | $108M |
| Q4 2025 | $133M | $108M |
| Q1 2026 | $136M | $113M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $975K |
| Investor CRE | $340K |
| Multifamily | $0 |
| Construction | $277K |
| 1–4 family | $83.3M |
| C&I | $1.04M |
| Agriculture | $828K |
| Other | $3.13M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.61%55th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.29%Median 0.54%90th 1.29%Observations 122
ROE
FDIC
NETINC + ROE4.19%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −2.92%Median 3.81%90th 10.96%Observations 122
NIM
FDIC
NIM + NIMY3.08%41st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.30%Median 3.25%90th 4.34%Observations 122
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR63.73%89th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 63.44%Median 82.11%90th 104.64%Observations 122
Deposits YoY
FDIC
DEP+31.03%98th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.92%Median +1.92%90th +10.47%Observations 122
Loans YoY
FDIC
LNLSNET+26.00%96th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.29%Median +3.30%90th +13.67%Observations 117
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.40%39th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.53%90th 1.78%Observations 117
Leverage
FDIC
RBC1AAJ14.43%66th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.93%Median 12.23%90th 24.78%Observations 122
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.36%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.29%Median 2.36%90th 3.68%Observations 121
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC3%12th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 2%Median 49%90th 174%Observations 58
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.61%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.57%Median 1.06%90th 2.32%Observations 5
ROE
FDIC
NETINC + ROE4.19%33rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.83%Median 9.48%90th 34.84%Observations 5
NIM
FDIC
NIM + NIMY3.08%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.89%Median 3.90%90th 4.31%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR63.73%50th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 29.03%Median 63.73%90th 76.08%Observations 5
Deposits YoY
FDIC
DEP+31.03%83rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.87%Median +4.87%90th +20.86%Observations 5
Loans YoY
FDIC
LNLSNET+26.00%66th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.28%Median +1.76%90th +48.25%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.40%66th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.07%Median 0.22%90th 1.09%Observations 5
Leverage
FDIC
RBC1AAJ14.43%66th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.77%Median 13.25%90th 15.60%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.36%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.65%Median 1.66%90th 2.33%Observations 5
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Worthington, MN
FDIC
OFFDOMOpen the Minnesota dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data