AMERICAN NATIONAL BANK OF MINNESOTA

BAXTER, MN | Small | Est. May 1, 1983, midnight | FDIC #26499 | RSSD #306159 | OCC
Latest Report: 2025-12-31

AMERICAN NATIONAL BANK OF MINNESOTA is asn small FDIC-insured commercial bank headquartered in BAXTER, MN, established in May 1, 1983, midnight. As of 2025-12-31, the bank reported total assets of $475M and total deposits of $343M. Profitability stands at 1.11% ROA and 10.88% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 12.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.20% and a Texas Ratio of 8.99%. FDIC Certificate #26499.

Assets

$475M

Deposits

$343M

Loans

$404M

Equity

$49M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 10.88%
Net Interest Margin (NIM) 4.36%
Yield on Assets 7.26%
Cost of Funds 2.99%

Asset Quality

NPL Ratio 1.20%
Net Charge-Off Ratio 0.07%
Texas Ratio 8.99%
NPA Ratio 1.03%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 12.77%
Tier 1 Capital 12.77%
Total Capital Ratio 14.03%
Leverage Ratio 10.38%
Loan-to-Deposit 117.84%

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