Community Bank Owatonna
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Data as of · sourced from FFIEC call reports. How we update
Community Bank Owatonna is an FDIC-insured commercial bank headquartered in Owatonna, MN, established in 2003 (FDIC certificate 57468), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $103.3M, up 9.8% from Q2 2025, the 168th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.20% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57468
- Headquarters
- Owatonna, MN
- Established
- 2003
- Total assets, Q2 2026
- $103.3M
- Assets vs Q2 2025
- +9.8%
- CET1 ratio, Q2 2026
- 11.20%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091917254
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank Owatonna call report
- Holding company
- COMMUNITY FINANCIAL CORPORATION
- Asset rank in state
- 168th of 221 in Minnesota
Problem loans are rising at Community Bank Owatonna. Based in Owatonna, Minnesota, it had $103 million in assets at June 30, 2026, up 9.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.42% of loans from 0.00% a year earlier. It holds common equity equal to 11.20% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew deposits 9.6% over the year, 2.4 times the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $197,000, 76% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.5 million equal 19% of Tier 1 capital, down from 27% a year earlier. Profitability lags: it earns about $0.76 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Community Bank Owatonna reported a CET1 capital ratio of 11.20%, a return on assets of 0.76%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 3.84%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Community Bank Owatonna is the 168th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.8% to $103.3M, loans fell 0.3% and deposits rose 2.6%. 1-4 family residential loans made up 49.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 15.1%. Its one office in the FDIC Summary of Deposits is in Owatonna, MN. On its Q2 2026 call report, Community Bank Owatonna meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 640 W Bridge St, Owatonna, MN 55060
- County
- Steele
- Metro Area
- Owatonna, 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
- January 13, 2003
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $94.7M
- Allowance for credit losses
- $717K
- Net charge-offs (YTD)
- $0
- Average total assets
- $103.4M
- Average total loans
- $73.8M
- Average interest-bearing deposits
- $76.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 13, 2003
- FDIC Cert
- 57468
- Fed RSSD
- 3139321
- Website
- WWW.CBOWATONNA.COM →
- Parent Holding Company
- COMMUNITY FINANCIAL CORPORATION (RSSD 3139312)
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
Over the 12 quarters to Q2 2026, Community Bank Owatonna's total assets ran between $89.5M (Q2 2024) and $103.3M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$103.3M total assets against $94.0M; $96.0M total liabilities against $88.0M.
$72.5M net loans and leases against $64.6M; $94.7M total deposits against $86.4M.
$17.6M securities against $21.2M; $8.5M cash and balances due against $3.3M.
$1.4M total interest income against $1.2M; $521K total interest expense against $513K.
$896K net interest income against $683K.
$64K total noninterest income against $63K; $659K total noninterest expense against $563K.
$24K provision for credit losses against $33K.
$197K net income against $112K.
0.76% return on assets against 0.47%; 3.72% net interest margin against 3.07%.
11.20% CET1 capital ratio against 10.88%; 7.98% tier 1 leverage ratio against 7.68%.
Inside the full Community Bank Owatonna terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank Owatonna rankings
Its closest position to the top of a national ranking is 1,623 of 3,640, for Texas Ratio; its furthest is 1,907 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.26% (Q4 2024) to 0.88% (Q1 2026) and its net interest margin ran from 2.55% (Q4 2024) to 3.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.20% | 0.76% | 0.42% | 3.84% | 3.72% |
| Q1 2026 | 11.08% | 0.88% | 0.38% | 3.68% | 3.47% |
| Q4 2025 | 10.87% | 0.86% | 0.39% | 3.74% | 3.53% |
| Q3 2025 | 10.55% | 0.85% | 0.00% | 0.00% | 2.99% |
| Q2 2025 | 10.88% | 0.47% | 0.00% | 0.41% | 3.07% |
| Q1 2025 | 10.65% | 0.32% | 0.00% | 0.43% | 2.79% |
| Q4 2024 | 10.89% | -0.26% | 0.16% | 1.66% | 2.55% |
| Q3 2024 | 11.05% | 0.07% | 0.21% | 2.06% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Community Bank Owatonna (main office) | Owatonna , MN | 55060 | $94.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 198 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K 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, 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
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Frequently asked about Community Bank Owatonna
What are Community Bank Owatonna's total assets?
As of the Q2 2026 filing, Community Bank Owatonna reported total assets of $103.3 million in its FFIEC call report.
Where is Community Bank Owatonna headquartered?
It is headquartered in Owatonna, MN, United States.
When was Community Bank Owatonna founded?
It was established in 2003, per the FDIC institution directory.
Is Community Bank Owatonna FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank Owatonna?
Community Bank Owatonna's primary federal regulator is the FDIC.
What is Community Bank Owatonna's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.20% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community Bank Owatonna operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank Owatonna's Texas Ratio?
Its Texas Ratio is 3.84% 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.
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