American National Bank of Minnesota
Also written as ANB of Minnesota
BankRegReports is independent of American National Bank of Minnesota and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
American National Bank of Minnesota is an FDIC-insured commercial bank headquartered in Baxter, MN, established in 1983 (FDIC certificate 26499), and it is supervised by the OCC. At Q2 2026 it reported total assets of $473.2M, down 2.7% from Q2 2025, the 53rd largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 14.32% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26499
- Headquarters
- Baxter, MN
- Established
- 1983
- Total assets, Q2 2026
- $473.2M
- Assets vs Q2 2025
- -2.7%
- CET1 ratio, Q2 2026
- 14.32%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 091971533
- Latest call report
- Q2 2026, FFIEC 041 · American National Bank of Minnesota Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- AMERICAN BANCORPORATION OF MINNESOTA, INC.
- Asset rank in state
- 53rd of 221 in Minnesota
American National Bank of Minnesota pays more for its money than most banks of its size. Based in Baxter, Minnesota, it had $473 million in assets at June 30, 2026, down 2.7% from a year earlier. It pays an average of 2.90% on its deposits and borrowings, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 8.1% over the year, lower than about 9 in 10 banks its size (median 5.5%).
The balance sheet shrank over the year: over the year loans fell 8.1% and deposits fell 2.6%. The non-owner-occupied commercial real estate book ($49 million) is worsening: 2.77% of it is past due or on nonaccrual, up from 1.47% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, American National Bank of Minnesota reported a CET1 capital ratio of 14.32%, a return on assets of 1.32%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 7.33%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, American National Bank of Minnesota is the 53rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $473.2M, loans fell 5.0% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.6% of total loans, followed by owner-occupied commercial real estate loans at 14.0%. The FDIC Summary of Deposits lists 10 offices for it, in 10 cities in MN; its Brainerd office books 34% of its branch deposits. Judged on its Q2 2026 call report, American National Bank of Minnesota meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7638 Woida Rd, Baxter, MN 56425
- County
- Crow Wing
- Metro Area
- Brainerd, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 1, 1983
- Former names
- CreditAmerica Savings Company (1986-2001)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $347.6M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $476.0M
- Average total loans
- $395.3M
- Average interest-bearing deposits
- $308.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1986
- FDIC Cert
- 26499
- Fed RSSD
- 306159
- Website
- www.anbmn.com →
- Parent Holding Company
- AMERICAN BANCORPORATION OF MINNESOTA, INC. (RSSD 3047172)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
American National Bank of Minnesota's total assets moved between a low of $449.6M (Q3 2023) and a high of $486.1M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$473.2M total assets against $486.1M; $422.5M total liabilities against $439.9M.
$381.4M net loans and leases against $415.4M; $347.6M total deposits against $356.9M.
$8.0M securities against $8.9M; $56.7M cash and balances due against $33.1M.
$7.7M total interest income against $8.0M; $3.0M total interest expense against $3.4M.
$4.6M net interest income against $4.6M.
$225K total noninterest income against $372K; $3.2M total noninterest expense against $3.3M.
$0 provision for credit losses against $120K.
$1.6M net income against $1.4M.
1.32% return on assets against 1.14%; 3.81% net interest margin against 3.81%.
14.32% CET1 capital ratio against 12.31%; 10.85% tier 1 leverage ratio against 9.70%.
Inside the full American National Bank of Minnesota terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American National Bank of Minnesota rankings
Its closest position to the top of a national ranking is 917 of 3,640, for Texas Ratio; its furthest is 2,414 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q1 2025) to 1.36% (Q1 2026) and its net interest margin ran from 3.54% (Q1 2025) to 4.00% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.32% | 1.32% | 1.00% | 7.33% | 3.81% |
| Q1 2026 | 12.86% | 1.36% | 1.35% | 10.46% | 3.79% |
| Q4 2025 | 12.77% | 1.09% | 1.20% | 8.99% | 3.93% |
| Q3 2025 | 12.33% | 1.33% | 1.02% | 8.11% | 4.00% |
| Q2 2025 | 12.31% | 1.14% | 0.98% | 8.71% | 3.81% |
| Q1 2025 | 11.68% | 0.79% | 0.77% | 7.82% | 3.54% |
| Q4 2024 | 11.72% | 1.01% | 0.72% | 6.74% | 3.84% |
| Q3 2024 | 12.14% | 1.34% | 0.31% | 3.16% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Brainerd Branch | Brainerd , MN | 56401 | $117.9M |
| American National Bank of Minnesota (main office) | Baxter , MN | 56425 | $54.8M |
| St. Cloud Branch | St. Cloud , MN | 56301 | $38.3M |
| Pequot Lakes Branch | Pequot Lakes , MN | 56472 | $26.8M |
| Nisswa Branch | Nisswa , MN | 56468 | $26.7M |
| Detroit Lakes Branch | Detroit Lakes , MN | 56501 | $23.7M |
| Alexandria Branch | Alexandria , MN | 56308 | $21.5M |
| Walker Branch | Walker , MN | 56484 | $16.7M |
| Fergus Falls Branch | Fergus Falls , MN | 56537 | $15.4M |
| Bemidji Office Branch | Bemidji , MN | 56601 | $5.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 13, 1998 | Structure Change | Acquired Cityside Savings and Financial Services Company Sale of Assets for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- August 20, 2010, OCC: Formal Agreement: American National Bank of Minnesota
- Period: Most recent institution action August 20, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MN, rank 86 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $157K approved, $78K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows American National Bank of Minnesota’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about American National Bank of Minnesota
What are American National Bank of Minnesota's total assets?
As of the Q2 2026 filing, American National Bank of Minnesota reported total assets of $473.2 million in its FFIEC call report.
Where is American National Bank of Minnesota headquartered?
It is headquartered in Baxter, MN, United States.
When was American National Bank of Minnesota founded?
It was established in 1983, per the FDIC institution directory.
Is American National Bank of Minnesota FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26499). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American National Bank of Minnesota?
American National Bank of Minnesota's primary federal regulator is the OCC.
What is American National Bank of Minnesota's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American National Bank of Minnesota operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American National Bank of Minnesota's Texas Ratio?
Its Texas Ratio is 7.33% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was American National Bank of Minnesota previously called?
The charter now named American National Bank of Minnesota has also operated as CreditAmerica Savings Company (1986-2001), per FDIC structure-change records.
Go deeper on American National Bank of Minnesota.
Get an email when American National Bank of Minnesota files its next call report, and benchmark it against any peer you choose.
Unlock American National Bank of Minnesota, freeFree account