MINSTER BANK

MINSTER, OH | Medium | Est. Jan. 23, 1914, midnight | FDIC #763 | RSSD #604024 | FED
Latest Report: 2025-12-31

MINSTER BANK is amn medium FDIC-insured commercial bank headquartered in MINSTER, OH, established in Jan. 23, 1914, midnight. As of 2025-12-31, the bank reported total assets of $802M and total deposits of $707M. Profitability stands at 1.58% ROA and 19.02% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 15.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 1.01%. FDIC Certificate #763.

Assets

$802M

Deposits

$707M

Loans

$442M

Equity

$67M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 19.02%
Net Interest Margin (NIM) 3.82%
Yield on Assets 5.29%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.01%
NPA Ratio 0.09%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 15.79%
Tier 1 Capital 15.79%
Total Capital Ratio 16.85%
Leverage Ratio 9.31%
Loan-to-Deposit 62.46%

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