Community Resource Bank
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Data as of · sourced from FFIEC call reports. How we update
Community Resource Bank is an FDIC-insured commercial bank headquartered in Northfield, MN, established in 1878 (FDIC certificate 5219), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $556.4M, up 3.0% from Q2 2025, the 42nd largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 13.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5219
- Headquarters
- Northfield, MN
- Established
- 1878
- Total assets, Q2 2026
- $556.4M
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 13.97%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091917160
- Latest call report
- Q2 2026, FFIEC 051 · Community Resource Bank call report
- Holding company
- MIDCOUNTRY ACQUISITION CORP.
- Asset rank in state
- 42nd of 221 in Minnesota
Little in Community Resource Bank's latest call report stands out. The Northfield, Minnesota bank had $556 million in assets at June 30, 2026, up 3.0% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Its $44 million commercial and industrial book is improving, with 2.00% past due or on nonaccrual, down from 3.16% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Community Resource Bank reported a CET1 capital ratio of 13.97%, a return on assets of 1.13%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 7.35%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Community Resource Bank is the 42nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.3% to $556.4M, loans rose 2.3% and deposits fell 3.5%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 22.8% of total loans, ahead of 1-4 family residential loans at 22.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in MN; its Northfield office books 42% of its branch deposits. On its Q2 2026 call report, Community Resource Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1605 Heritage Dr, Northfield, MN 55057
- County
- Rice
- Metro Area
- Faribault-Northfield, MN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 18, 1878
- Former names
- Community National Bank (1987-2006); First Bank (N.A.) - Northfield (1979-1987); Northfield National Bank (1952-1979)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $471.8M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $785K
- Average total assets
- $576.0M
- Average total loans
- $411.5M
- Average interest-bearing deposits
- $390.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5219
- Fed RSSD
- 813853
- Website
- WWW.CRB.BANK →
- Parent Holding Company
- MIDCOUNTRY ACQUISITION CORP. (RSSD 5281989)
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 Resource Bank's total assets ran between $377.2M (Q4 2024) and $575.6M (Q1 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
$556.4M total assets against $540.0M; $492.7M total liabilities against $481.1M.
$410.2M net loans and leases against $393.0M; $471.8M total deposits against $452.0M.
$103.4M securities against $107.1M; $13.1M cash and balances due against $8.6M.
$7.8M total interest income against $8.5M; $2.0M total interest expense against $2.4M.
$5.8M net interest income against $6.1M.
$503K total noninterest income against $687K; $3.7M total noninterest expense against $4.4M.
$390K provision for credit losses against $60K.
$1.6M net income against $1.7M.
1.13% return on assets against 1.23%; 4.21% net interest margin against 4.63%.
13.97% CET1 capital ratio against 13.67%; 10.52% tier 1 leverage ratio against 10.22%.
Inside the full Community Resource Bank 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.
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.
Community Resource Bank rankings
Its closest position to the top of a national ranking is 913 of 3,640, for Texas Ratio; its furthest is 2,219 of 3,611, for ROA.
Banks merged into Community Resource Bank
- 1st United Bank, effective April 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.72% (Q1 2025) to 1.58% (Q1 2026) and its net interest margin ran from 3.46% (Q3 2024) to 4.63% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.97% | 1.13% | 1.09% | 7.35% | 4.21% |
| Q1 2026 | 14.10% | 1.58% | 1.37% | 9.02% | 3.95% |
| Q4 2025 | 14.01% | 1.23% | 1.37% | 9.07% | 4.11% |
| Q3 2025 | 14.20% | 0.83% | 1.53% | 10.26% | 3.76% |
| Q2 2025 | 13.67% | 1.23% | 1.04% | 7.28% | 4.63% |
| Q1 2025 | 11.64% | 0.72% | 1.30% | 10.67% | 3.62% |
| Q4 2024 | 11.73% | 0.77% | 0.59% | 4.92% | 3.59% |
| Q3 2024 | 12.29% | 0.82% | 0.41% | 3.15% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Community Resource Bank (main office) | Northfield , MN | 55057 | $197.7M |
| Faribault Branch | Faribault , MN | 55021 | $141.6M |
| Roseville Branch | Roseville , MN | 55113 | $83.4M |
| Cannon Falls Branch | Cannon Falls , MN | 55009 | $49.1M |
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 |
|---|---|---|---|
| April 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2025 | Structure Change | Acquired 1st United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 11, 1999 | Structure Change | Acquired Roseville Community Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 10, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MN, rank 64 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 107 applications, 91 loans originated, $34.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $3.0M approved, $377K 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
- 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 Resource Bank
What are Community Resource Bank's total assets?
As of the Q2 2026 filing, Community Resource Bank reported total assets of $556.4 million in its FFIEC call report.
Where is Community Resource Bank headquartered?
It is headquartered in Northfield, MN, United States.
When was Community Resource Bank founded?
It was established in 1878, per the FDIC institution directory.
Is Community Resource Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Resource Bank?
Community Resource Bank's primary federal regulator is the Federal Reserve.
What is Community Resource Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Resource Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Resource Bank's Texas Ratio?
Its Texas Ratio is 7.35% 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 Resource Bank previously called?
The charter now named Community Resource Bank has also operated as Community National Bank (1987-2006), First Bank (N.A.) - Northfield (1979-1987), Northfield National Bank (1952-1979), per FDIC structure-change records.
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