MINSTER BANK
MINSTER BANK is an FDIC-insured commercial bank headquartered in MINSTER, OH, established in 1914. As of , 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 3.57%. CET1 capital ratio: 15.79%, well above regulatory minimums. NPL ratio: 0.63% · Texas Ratio: 3.89%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Minster Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 15.79% | 1.58% | 0.63% | 3.89% | 3.57% |
| 2025-09-30 | 17.29% | 1.61% | 0.60% | 3.43% | 3.52% |
| 2025-06-30 | 16.69% | 1.52% | 0.22% | 1.32% | 3.53% |
| 2025-03-31 | 16.53% | 1.43% | 0.16% | 1.03% | 3.38% |
| 2024-12-31 | 16.95% | 1.52% | 0.24% | 1.54% | 3.27% |
| 2024-09-30 | 18.12% | 1.26% | 0.98% | 5.41% | 3.21% |
| 2024-06-30 | 17.66% | 1.28% | 1.01% | 6.22% | 3.04% |
| 2024-03-31 | 17.13% | 1.17% | 1.05% | 6.62% | 3.02% |
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Frequently asked about MINSTER BANK
What are Minster Bank's total assets?
As of the Q4 2025 filing, Minster Bank reported total assets of $802.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Minster Bank headquartered?
Minster Bank is headquartered in MINSTER, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Minster Bank founded?
Minster Bank was established in 1914, per the FDIC institution directory.
Is Minster Bank FDIC-insured?
Yes. Minster Bank is an FDIC-insured commercial bank (FDIC Certificate #763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Minster Bank?
Minster Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Minster Bank's CET1 capital ratio?
Minster Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.79% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Minster Bank operate?
Minster Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Minster Bank's Texas Ratio?
Minster Bank's Texas Ratio is 3.89% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.