SENTRY BANK

SAINT JOSEPH, MN | Small | Est. Nov. 4, 1904, midnight | FDIC #8546 | RSSD #746157 | FDIC
Latest Report: 2025-12-31

SENTRY BANK is asn small FDIC-insured commercial bank headquartered in SAINT JOSEPH, MN, established in Nov. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $375M and total deposits of $324M. Profitability stands at 1.35% ROA and 14.16% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 5.93%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.11%. FDIC Certificate #8546.

Assets

$375M

Deposits

$324M

Loans

$275M

Equity

$36M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 14.16%
Net Interest Margin (NIM) 4.09%
Yield on Assets 6.23%
Cost of Funds 2.19%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.11%
NPA Ratio 0.01%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 5.93%
Tier 1 Capital 5.93%
Total Capital Ratio 6.22%
Leverage Ratio 8.98%
Loan-to-Deposit 84.88%

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