Minnesota First Credit and Savings, Incorporated: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 221.32 percentage points lower than in Q1 2026, at 1239.39%. On return on assets, Minnesota First Credit and Savings, Incorporated is 10th from the bottom among 221 Minnesota banks, 0.32% (Q2 2026). Minnesota First Credit and Savings, Incorporated's return on assets of 0.32% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.92% |
| Tier 1 risk-based capital ratio | 19.92% |
| Total risk-based capital ratio | 21.18% |
| Tier 1 leverage ratio | 14.16% |
| Equity capital to assets | 14.15% |
| Tangible equity to tangible assets | 14.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.71% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 1239.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 2.27% |
| Net interest margin | 4.34% |
| Efficiency ratio | 92.14% |
| Yield on earning assets | 7.66% |
| Cost of funds | 3.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.05% |
| Core deposits to total deposits | 96.19% |
| Brokered deposits to total deposits | 3.81% |
| Deposits to assets | 83.31% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.44% | 23.44% | 24.70% | 17.32% | 0.08% |
| Q4 2023 | 22.75% | 22.75% | 24.01% | 16.66% | -0.05% |
| Q1 2024 | 22.64% | 22.64% | 23.90% | 16.39% | 0.10% |
| Q2 2024 | 23.17% | 23.17% | 24.43% | 16.48% | 0.29% |
| Q3 2024 | 22.52% | 22.52% | 23.78% | 16.36% | -0.21% |
| Q4 2024 | 22.11% | 22.11% | 23.37% | 15.98% | 0.19% |
| Q1 2025 | 21.75% | 21.75% | 23.01% | 15.34% | 0.13% |
| Q2 2025 | 21.33% | 21.33% | 22.58% | 15.22% | 0.53% |
| Q3 2025 | 20.72% | 20.72% | 21.98% | 15.03% | 0.55% |
| Q4 2025 | 20.81% | 20.81% | 22.07% | 14.79% | 0.27% |
| Q1 2026 | 20.86% | 20.86% | 22.12% | 14.23% | 0.30% |
| Q2 2026 | 19.92% | 19.92% | 21.18% | 14.16% | 0.32% |
Minnesota First Credit and Savings, Incorporated vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota First Credit and Savings, Incorporated, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Minnesota First Credit and Savings, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26755) · FFIEC NIC profile (RSSD 821559)