Community Bank Mankato
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Data as of · sourced from FFIEC call reports. How we update
Community Bank Mankato is an FDIC-insured commercial bank headquartered in Vernon Center, MN, established in 1929 (FDIC certificate 9760), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $538.3M, down 1.3% from Q2 2025, the 46th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 12.10% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9760
- Headquarters
- Vernon Center, MN
- Established
- 1929
- Total assets, Q2 2026
- $538.3M
- Assets vs Q2 2025
- -1.3%
- CET1 ratio, Q2 2026
- 12.10%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 091915890
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank Mankato Q3 2026 call report, filed October 6, 2026 (preliminary)
- Holding company
- VERNON CENTER BANCSHARES, INC.
- Asset rank in state
- 46th of 221 in Minnesota
Community Bank Mankato leans heavily on commercial real estate. The Vernon Center, Minnesota bank had $538 million in assets at June 30, 2026, down 1.3% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 17.9% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for banks its size.
Net income for the quarter rose 24% from a year earlier, to $1.3 million. Over the same year, loans shrank 3.6% and deposits grew 0.9%. Where it has less room is capital: it holds common equity equal to 12.10% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Community Bank Mankato reported a CET1 capital ratio of 12.10%, a return on assets of 0.99%, a nonperforming-loan ratio of 2.15% and a Texas ratio of 17.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Bank Mankato is the 46th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $538.3M, loans fell 0.7% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by multifamily loans, at 30.3% of total loans, followed by owner-occupied commercial real estate loans at 27.8%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in MN; its Mankato 2 offices book 84% of its branch deposits. On its Q2 2026 call report, Community Bank Mankato meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Main St E, Vernon Center, MN 56090
- County
- Blue Earth
- Metro Area
- Mankato, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 1, 1929
- Former names
- Community Bank Vernon Center (1989-2008)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $473.9M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $626K
- Average total assets
- $539.1M
- Average total loans
- $479.1M
- Average interest-bearing deposits
- $388.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9760
- Fed RSSD
- 835257
- Website
- http://www.cbfg.net →
- Parent Holding Company
- VERNON CENTER BANCSHARES, INC. (RSSD 1127847)
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
From Q3 2023 to Q2 2026, Community Bank Mankato's total assets ranged from $517.2M (Q3 2023) to $552.7M (Q3 2025), 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
$538.3M total assets against $545.5M; $487.2M total liabilities against $497.9M.
$470.9M net loans and leases against $488.5M; $473.9M total deposits against $469.8M.
$23.9M securities against $13.5M; $32.2M cash and balances due against $31.6M.
$7.4M total interest income against $7.4M; $2.7M total interest expense against $3.2M.
$4.7M net interest income against $4.2M.
$324K total noninterest income against $289K; $2.9M total noninterest expense against $2.9M.
$250K provision for credit losses against $0.
$1.3M net income against $1.1M.
0.99% return on assets against 0.79%; 3.61% net interest margin against 3.13%.
12.10% CET1 capital ratio against 11.06%; 9.49% tier 1 leverage ratio against 8.66%.
Inside the full Community Bank Mankato 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Community Bank Mankato rankings
Its closest position to the top of a national ranking is 223 of 3,640, for Texas Ratio; its furthest is 1,670 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.52% (Q4 2024) to 1.01% (Q1 2026) and its net interest margin ran from 2.63% (Q3 2024) to 3.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.10% | 0.99% | 2.15% | 17.90% | 3.61% |
| Q1 2026 | 11.95% | 1.01% | 2.26% | 19.03% | 3.33% |
| Q4 2025 | 11.65% | 0.79% | 2.22% | 18.97% | 3.35% |
| Q3 2025 | 11.37% | 0.82% | 2.36% | 20.81% | 3.14% |
| Q2 2025 | 11.06% | 0.79% | 2.21% | 20.88% | 3.13% |
| Q1 2025 | 10.72% | 0.77% | 2.19% | 21.35% | 2.87% |
| Q4 2024 | 10.33% | 0.52% | 2.13% | 21.40% | 2.78% |
| Q3 2024 | 9.96% | 0.60% | 2.11% | 21.85% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Mankato Branch | Mankato , MN | 56001 | $214.0M |
| Mankato Branch | Mankato , MN | 56001 | $185.0M |
| Community Bank Mankato (main office) | Vernon Center , MN | 56090 | $35.6M |
| Amboy Branch | Amboy , MN | 56010 | $29.1M |
| Eagle Lake Branch | Eagle Lake , MN | 56024 | $10.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MN, rank 63 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 82 applications, 73 loans originated, $22.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $89K approved, $89K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank Mankato
What are Community Bank Mankato's total assets?
As of the Q2 2026 filing, Community Bank Mankato reported total assets of $538.3 million in its FFIEC call report.
Where is Community Bank Mankato headquartered?
It is headquartered in Vernon Center, MN, United States.
When was Community Bank Mankato founded?
It was established in 1929, per the FDIC institution directory.
Is Community Bank Mankato FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank Mankato?
Community Bank Mankato's primary federal regulator is the FDIC.
What is Community Bank Mankato's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community Bank Mankato operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank Mankato's Texas Ratio?
Its Texas Ratio is 17.90% 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 Community Bank Mankato previously called?
The charter now named Community Bank Mankato has also operated as Community Bank Vernon Center (1989-2008), per FDIC structure-change records.
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