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Grand Timber Bank

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Grand Timber Bank Rates & Review September 2026

Q: How many branches does Grand Timber Bank operate?

Grand Timber Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Grand Timber Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Grand Timber Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Grand Timber Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Grand Timber Bank, and you can see how they compare in the Grand Timber Bank rate tables below. MonitorBankRates evaluates the financial stability of Grand Timber Bank with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.29%. Database rates last updated and verified on 09/23/2026.

Grand Timber Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Grand Timber Bank? Share your experience about Grand Timber Bank by leaving a review below, or read customer reviews before you decide to use Grand Timber Bank.

Overall Health & Safety Grade

Solid Health Score: 85/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

20.29%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Grand Timber Bank

204 N Maddy St
Mcgregor, MN 55760

https://www.grandtimberbank.com

Current Rate Availability

We're not currently displaying rates for Grand Timber Bank, but our database is updated constantly, so check back soon for the latest offers.

Are you with Grand Timber Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Grand Timber Bank’s Texas Ratio rose from 7.56% in Q3 2023 to 20.29% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$65M	20.29%	4.6	B
March 31, 2026	$65M	16.93%	4.8	B+
December 31, 2025	$64M	20.41%	4.6	B
September 30, 2025	$63M	20.56%	4.5	B
June 30, 2025	$61M	18.11%	4.7	B+
March 31, 2025	$61M	14.80%	5.0	A-
December 31, 2024	$60M	17.23%	4.8	B+
September 30, 2024	$61M	13.17%	5.0	A
June 30, 2024	$60M	15.71%	4.9	A-
March 31, 2024	$62M	10.28%	5.0	A
December 31, 2023	$60M	10.23%	5.0	A
September 30, 2023	$59M	7.56%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Grand Timber Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Grand Timber Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Grand Timber Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Grand Timber Bank

Bank Holding Company MIDCOUNTRY ACQUISITION CORP

Address 204 N Maddy St, Mcgregor, MN 55760 · Aitkin

Website https://www.grandtimberbank.com

FDIC Certificate # 18719

Established 19630318

FDIC Insurance Date 19630318

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 85/100

4.6

Excellent Out of 5.0 Stars

20.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2619%

Return on Equity (ROE) 9.6700%

Non-Performing Loans (NPL) 2.42%

Total Assets $64,545,000

Total Deposits $53,863,000

Equity Capital $8,216,000

Net Income $407,000

Headquarters Mcgregor

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Grand Timber Bank

How many branches does Grand Timber Bank operate?

Grand Timber Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Grand Timber Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Grand Timber Bank provides members with tools to manage their accounts and build a solid financial history.

Does Grand Timber Bank offer online and mobile banking?

Most modern institutions like Grand Timber Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.grandtimberbank.com.