MINNESOTA NATIONAL BANK
MINNESOTA NATIONAL BANK is an FDIC-insured commercial bank headquartered in SAUK CENTRE, MN, established in 1902. As of , 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 4.24%. CET1 capital ratio: 11.89%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.61%. Operates 3 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.
Minnesota National 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 | 11.89% | 1.62% | 0.09% | 0.61% | 4.24% |
| 2025-09-30 | 11.54% | 1.72% | 0.03% | 1.26% | 4.05% |
| 2025-06-30 | 11.11% | 1.63% | 0.07% | 1.65% | 3.85% |
| 2025-03-31 | 10.54% | 1.14% | 0.07% | 1.59% | 3.60% |
| 2024-12-31 | 10.72% | 1.35% | 0.21% | 1.63% | 3.44% |
| 2024-09-30 | 10.63% | 0.65% | 0.42% | 3.23% | 3.21% |
| 2024-06-30 | 10.51% | 1.44% | 0.02% | 0.16% | 3.19% |
| 2024-03-31 | 10.31% | 0.73% | 0.02% | 0.18% | 3.14% |
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Frequently asked about MINNESOTA NATIONAL BANK
What are Minnesota National Bank's total assets?
As of the Q4 2025 filing, Minnesota National Bank reported total assets of $291.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Minnesota National Bank headquartered?
Minnesota National Bank is headquartered in SAUK CENTRE, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Minnesota National Bank founded?
Minnesota National Bank was established in 1902, per the FDIC institution directory.
Is Minnesota National Bank FDIC-insured?
Yes. Minnesota National Bank is an FDIC-insured commercial bank (FDIC Certificate #5249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Minnesota National Bank?
Minnesota National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Minnesota National Bank's CET1 capital ratio?
Minnesota National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.89% in its most recent quarterly filing — above regulatory minimums.
How many branches does Minnesota National Bank operate?
Minnesota National Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Minnesota National Bank's Texas Ratio?
Minnesota National Bank's Texas Ratio is 0.61% — 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.