BanksMINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED

MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED

ROCHESTER, MNMicroEst. Jan. 1, 1956, midnightFDIC #26755RSSD #821559FDIC
Latest · 2025-12-31

MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED is an FDIC-insured commercial bank headquartered in ROCHESTER, MN, established in Jan. 1, 1956, midnight. As of 2025-12-31, the bank reported total assets of $29M and total deposits of $24M. Profitability stands at 0.27% ROA and 1.81% ROE, with a net interest margin of 4.41%. CET1 capital ratio: 20.81%, well above regulatory minimums. NPL ratio: 0.14% · Texas Ratio: 0.78%. Operates 4 domestic branches.

Assets
$29M
Deposits
$24M
Loans
$26M
Equity
$4M

Profitability

Return on Assets (ROA)0.27%
Return on Equity (ROE)1.81%
Net Interest Margin4.41%
Yield on Assets8.42%
Cost of Funds4.37%

Asset Quality

NPL Ratio0.14%
Net Charge-Off Ratio0.00%
Texas Ratio0.78%
NPA Ratio0.12%
ACL / Loans1.58%

Capital & Liquidity

CET1 Ratio20.81%
Tier 1 Capital20.81%
Total Capital Ratio22.07%
Leverage Ratio14.79%
Loan-to-Deposit108.25%

This is just the summary.

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