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Minnesota National Bank
Sauk Centre, MN · FDIC Certificate #5249 · Chartered 09/1
Total assets
$298.43M
Total deposits
$253.89M
Total equity
$30.29M
Net loans
$238.25M
Branches (offices)
3
Net income (YTD)
$2.42M
Rank: #2,475 of 4,213 U.S. banks by assets · #89 of 221 in Minnesota. Assets changed -2.1% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.66% |
| Return on equity | 16.20% |
| Net interest margin (YTD) | 4.41% |
| Equity to assets | 10.15% |
| Tier 1 leverage ratio | 9.77% |
| Uninsured deposits (share of deposits) | 24.3% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.8% |
| Real estate loans (share of loans) | 80.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $191.63M | 80.4% | |
| Commercial & industrial | $33.05M | 13.9% | |
| Consumer / individual | $7.18M | 3.0% | |
| Construction & development | $10.87M | 4.6% | |
| Agricultural | $7.39M | 3.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $266.91M | $237.39M | $1.35M | $22.09M |
| Jun 2023 | $282.92M | $249.87M | $722.00K | $20.74M |
| Jun 2024 | $301.07M | $244.00M | $1.64M | $24.50M |
| Jun 2025 | $304.94M | $241.86M | $2.11M | $28.00M |
| Jun 2026 | $298.43M | $253.89M | $2.42M | $30.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $253.89M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $253.89M.
Similar-sized banks
Caldwell Bank & Trust Company ($298.57M) · Grant County Bank ($298.34M)
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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