Bank call report · Rochester, MN
Minnesota First Credit and Savings, Incorporated Call Report
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Minnesota First Credit and Savings, Incorporated filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 176 reported line items, schedule by schedule (874 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 821559 |
| FDIC certificate number | 26755 |
| Total assets | $29.9M |
Official Q2 2026 call report PDF (FFIEC) →
Minnesota First Credit and Savings, Incorporated call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (21 items)
About Schedule RC · Minnesota First Credit and Savings, Incorporated balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $29.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $29.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $26.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $26.5M |
| Total Liabilities and Minority Interest | RCON2948 | $25.7M |
| Total Deposits | RCON2200 | $24.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $24.8M |
| Total Equity Capital | RCON3210 | $4.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $4.2M |
| Surplus | RCON3839 | $2.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $1.7M |
| Interest-bearing Balances | RCON0071 | $1.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $885K |
| Other Borrowed Money | RCON3190 | $569K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $566K |
| Allowance for Loan and Lease Losses | RCON3123 | $409K |
| Federal Funds Sold | RCONB987 | $350K |
| Other Assets | RCON2160 | $211K |
| Common Stock | RCON3230 | $208K |
| Other Liabilities, Total | RCON2930 | $189K |
| Deposits: Noninterest-bearing | RCON6631 | $141K |
Schedule RI: Income Statement (26 items)
About Schedule RI · Minnesota First Credit and Savings, Incorporated income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.1M |
| Net Interest Income | RIAD4074 | $606K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $590K |
| Total Noninterest Expense | RIAD4093 | $571K |
| Total Interest Expense | RIAD4073 | $480K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $454K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $426K |
| Salaries and Employee Benefits | RIAD4135 | $285K |
| Other Noninterest Expense | RIAD4092 | $219K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $67K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $48K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $48K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $46K |
| Net Income (Loss) | RIAD4340 | $46K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $46K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $33K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $23K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $15K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $14K |
| Total Noninterest Income | RIAD4079 | $13K |
| Noninterest income: Income from insurance activities | RIADHT74 | $12K |
| Other Interest Expense | RIADGW44 | $11K |
| Applicable Income Taxes | RIAD4302 | $2K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 6 |
Schedule RC-C, Part I: Loans and Leases (22 items)
About Schedule RC-C, Part I · Minnesota First Credit and Savings, Incorporated loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $26.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $12.8M |
| Pledged Loans and Leases | RCONG378 | $10.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $6.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $5.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $4.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $3.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $3.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $3.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $3.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $617K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $545K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $409K |
| Commercial and Industrial Loans | RCON1766 | $344K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $322K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $107K |
| Unearned Income on Loans | RCON2123 | $6K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $365K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $344K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $252K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 14 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 2 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1 |
Schedule RC-E: Deposit Liabilities (17 items)
About Schedule RC-E · Minnesota First Credit and Savings, Incorporated deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $24.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $24.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $20.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $15.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $14.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $8.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $5.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $949K |
| Total Brokered Deposits | RCON2365 | $949K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $498K |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $469K |
| Total Demand Deposits (See Note Below) | RCON2210 | $141K |
| Total Transaction Accounts | RCON2215 | $141K |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $131K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $10K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (4 items)
Schedule RC-K: Quarterly Averages (10 items)
About Schedule RC-K · Minnesota First Credit and Savings, Incorporated quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $29.9M |
| Quarterly Average of Total Loans | RCON3360 | $26.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $23.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $16.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $8.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $2.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $622K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $350K |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $323K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Minnesota First Credit and Savings, Incorporated memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $469K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $469K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $100K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)
About Schedule RC-N · Minnesota First Credit and Savings, Incorporated past due and nonaccrual loans, leases, and other assets trends
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · Minnesota First Credit and Savings, Incorporated other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $29.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $25.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $24.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $4.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $305K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 661 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Minnesota First Credit and Savings, Incorporated regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · Minnesota First Credit and Savings, Incorporated regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $29.9M |
| Average total consolidated assets | RCOAKW03 | $29.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $21.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $4.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $4.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $4.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $4.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $4.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $2.5M |
| Retained Earnings | RCOAKW00 | $1.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $267K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $267K |
| Tier 2 Capital Before Deductions | RCOAP870 | $267K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2118 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1992 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1992 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1416 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1318 |
Schedule RC-R, Part II: Risk-Weighted Assets (26 items)
About Schedule RC-R, Part II · Minnesota First Credit and Savings, Incorporated risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $21.4M |
| Total Risk-weighted Assets | RCONG641 | $21.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $16.3M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $14.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $14.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $14.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $12.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $12.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $12.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $10.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $10.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $6.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $3.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $2.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $2.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $2.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $2.3M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $777K |
| Total All Other Assets | RCOND981 | $777K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$409K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $350K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $350K |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $350K |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $70K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $33K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $33K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $4.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $4.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $4.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $16K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Minnesota First Credit and Savings, Incorporated changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $409K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $409K |
Minnesota First Credit and Savings, Incorporated call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Minnesota First Credit and Savings, Incorporated call report?
The Minnesota First Credit and Savings, Incorporated call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Minnesota First Credit and Savings, Incorporated file?
Minnesota First Credit and Savings, Incorporated files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Minnesota First Credit and Savings, Incorporated call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Minnesota First Credit and Savings, Incorporated has Federal Reserve RSSD ID 821559 and FDIC certificate number 26755. Either one finds its filings on the FFIEC Central Data Repository.
How often does Minnesota First Credit and Savings, Incorporated file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Minnesota First Credit and Savings, Incorporated financial reports and ratios →
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Regulator records: FDIC BankFind (cert 26755) · FFIEC NIC profile (RSSD 821559)