MINNESOTA NATIONAL BANK

SAUK CENTRE, MN | Small | Est. Sept. 11, 1902, midnight | FDIC #5249 | RSSD #799751 | OCC
Latest Report: 2025-12-31

MINNESOTA NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in SAUK CENTRE, MN, established in Sept. 11, 1902, midnight. As of 2025-12-31, the bank reported total assets of $291M and total deposits of $244M. Profitability stands at 1.62% ROA and 16.21% ROE, with a net interest margin of 4.42%. The bank's CET1 capital ratio is 11.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.61%. FDIC Certificate #5249.

Assets

$291M

Deposits

$244M

Loans

$226M

Equity

$30M

Profitability

Return on Assets (ROA) 1.62%
Return on Equity (ROE) 16.21%
Net Interest Margin (NIM) 4.42%
Yield on Assets 6.28%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.61%
NPA Ratio 0.07%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 11.89%
Tier 1 Capital 11.89%
Total Capital Ratio 12.95%
Leverage Ratio 9.24%
Loan-to-Deposit 92.68%

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