21ST CENTURY BANK

LORETTO, MN | Medium | Est. June 2, 1917, midnight | FDIC #9751 | RSSD #340256 | FDIC
Latest Report: 2025-12-31

21ST CENTURY BANK is amn medium FDIC-insured commercial bank headquartered in LORETTO, MN, established in June 2, 1917, midnight. As of 2025-12-31, the bank reported total assets of $876M and total deposits of $659M. Profitability stands at 1.52% ROA and 15.42% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 14.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 3.20%. FDIC Certificate #9751.

Assets

$876M

Deposits

$659M

Loans

$661M

Equity

$87M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 15.42%
Net Interest Margin (NIM) 3.74%
Yield on Assets 6.28%
Cost of Funds 2.61%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.20%
NPA Ratio 0.34%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 14.52%
Tier 1 Capital 14.52%
Total Capital Ratio 15.51%
Leverage Ratio 10.70%
Loan-to-Deposit 100.34%

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