Advertisement
Minnstar Bank National Association
Lake Crystal, MN · FDIC Certificate #13809 · Chartered 01/2
Total assets
$204.00M
Total deposits
$180.25M
Total equity
$20.92M
Net loans
$169.84M
Branches (offices)
2
Net income (YTD)
$1.06M
Rank: #2,946 of 4,213 U.S. banks by assets · #116 of 221 in Minnesota. Assets changed 5.5% and deposits 8.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 9.89% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 10.38% |
| Uninsured deposits (share of deposits) | 10.3% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 94.2% |
| Real estate loans (share of loans) | 84.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $142.95M | 84.2% | |
| Commercial & industrial | $13.63M | 8.0% | |
| Consumer / individual | $823.00K | 0.5% | |
| Construction & development | $15.27M | 9.0% | |
| Agricultural | $14.76M | 8.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $178.76M | $157.26M | $800.00K | $14.62M |
| Jun 2023 | $212.62M | $184.79M | $1.23M | $15.77M |
| Jun 2024 | $205.39M | $173.97M | $832.00K | $20.42M |
| Jun 2025 | $193.29M | $166.12M | $882.00K | $21.03M |
| Jun 2026 | $204.00M | $180.25M | $1.06M | $20.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $180.25M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $180.25M.
Similar-sized banks
Houghton State Bank ($204.84M) · The First National Bank Of Groton ($203.88M)
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.
Advertisement