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21St Century Bank
Loretto, MN · FDIC Certificate #9751 · Chartered 06/0
Total assets
$894.83M
Total deposits
$658.78M
Total equity
$82.67M
Net loans
$666.62M
Branches (offices)
8
Net income (YTD)
$5.82M
Rank: #1,151 of 4,213 U.S. banks by assets · #23 of 221 in Minnesota. Assets changed 9.2% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 13.86% |
| Net interest margin (YTD) | 3.63% |
| Equity to assets | 9.24% |
| Tier 1 leverage ratio | 10.66% |
| Uninsured deposits (share of deposits) | 37.1% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 101.2% |
| Real estate loans (share of loans) | 85.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $570.04M | 85.5% | |
| Commercial & industrial | $102.08M | 15.3% | |
| Consumer / individual | $491.00K | 0.1% | |
| Construction & development | $42.85M | 6.4% | |
| Agricultural | $20.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $648.86M | $575.72M | $3.96M | $70.82M |
| Jun 2023 | $710.59M | $547.27M | $2.81M | $73.34M |
| Jun 2024 | $738.46M | $572.06M | $2.00M | $74.42M |
| Jun 2025 | $819.41M | $624.36M | $3.48M | $78.66M |
| Jun 2026 | $894.83M | $658.78M | $5.82M | $82.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $658.78M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $658.78M.
Similar-sized banks
The First State Bank ($895.17M) · First Southern State Bank ($893.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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