COMMUNITY BANK OWATONNA

OWATONNA, MN | Micro | Est. Jan. 13, 2003, midnight | FDIC #57468 | RSSD #3139321 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK OWATONNA is amn micro FDIC-insured commercial bank headquartered in OWATONNA, MN, established in Jan. 13, 2003, midnight. As of 2025-12-31, the bank reported total assets of $98M and total deposits of $90M. Profitability stands at 0.85% ROA and 12.84% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 10.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 3.74%. FDIC Certificate #57468.

Assets

$98M

Deposits

$90M

Loans

$72M

Equity

$7M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 12.84%
Net Interest Margin (NIM) 3.65%
Yield on Assets 5.95%
Cost of Funds 2.77%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.10%
Texas Ratio 3.74%
NPA Ratio 0.29%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 10.87%
Tier 1 Capital 10.87%
Total Capital Ratio 11.80%
Leverage Ratio 8.18%
Loan-to-Deposit 79.71%

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