MINNSTAR BANK NATIONAL ASSOCIATION

LAKE CRYSTAL, MN | Small | Est. Jan. 29, 1934, midnight | FDIC #13809 | RSSD #89854 | OCC
Latest Report: 2025-12-31

MINNSTAR BANK NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in LAKE CRYSTAL, MN, established in Jan. 29, 1934, midnight. As of 2025-12-31, the bank reported total assets of $191M and total deposits of $168M. Profitability stands at 0.50% ROA and 4.46% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 14.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 2.66%. FDIC Certificate #13809.

Assets

$191M

Deposits

$168M

Loans

$157M

Equity

$21M

Profitability

Return on Assets (ROA) 0.50%
Return on Equity (ROE) 4.46%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.88%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio 0.25%
Texas Ratio 2.66%
NPA Ratio 0.33%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 14.77%
Tier 1 Capital 14.77%
Total Capital Ratio 16.02%
Leverage Ratio 11.20%
Loan-to-Deposit 93.41%

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