Minnesota National Bank
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Data as of · sourced from FFIEC call reports. How we update
Minnesota National Bank is an FDIC-insured commercial bank headquartered in Sauk Centre, MN, established in 1902 (FDIC certificate 5249), and it is supervised by the OCC. At Q2 2026 it reported total assets of $298.4M, down 2.1% from Q2 2025, the 89th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.55% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5249
- Headquarters
- Sauk Centre, MN
- Established
- 1902
- Total assets, Q2 2026
- $298.4M
- Assets vs Q2 2025
- -2.1%
- CET1 ratio, Q2 2026
- 11.55%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091902065
- Latest call report
- Q2 2026, FFIEC 041 · Minnesota National Bank call report
- Holding company
- SAUK CENTRE FINANCIAL SERVICES, INC.
- Asset rank in state
- 89th of 221 in Minnesota
Problem loans are rising at Minnesota National Bank. The Sauk Centre, Minnesota bank had $298 million in assets at June 30, 2026, down 2.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.49% of loans from 0.15% a year earlier. It holds common equity equal to 11.55% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it keeps 4.57 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Minnesota National Bank reported a CET1 capital ratio of 11.55%, a return on assets of 1.80%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 4.05%. The figures come from its call report filed with the FFIEC.
Minnesota National Bank ranks as the 89th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.4% to $298.4M, loans rose 6.5% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.5% of total loans, followed by non-owner-occupied commercial real estate loans at 17.2%. The FDIC Summary of Deposits lists 3 offices for it, in Sauk Centre, MN, Long Prairie, MN and Pelican Rapids, MN; its Sauk Centre office books 68% of its branch deposits. On its Q2 2026 call report, Minnesota National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 131 12th St S, Sauk Centre, MN 56378
- County
- Stearns
- Metro Area
- St. Cloud, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 11, 1902
- Former names
- First National Bank of Sauk Centre (1950-2008)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $253.9M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $289.2M
- Average total loans
- $229.5M
- Average interest-bearing deposits
- $237.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5249
- Fed RSSD
- 799751
- Website
- www.mn-bank.bank →
- Parent Holding Company
- SAUK CENTRE FINANCIAL SERVICES, INC. (RSSD 1246243)
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, Minnesota National Bank's total assets ranged from $281.7M (Q3 2023) to $322.8M (Q4 2023), 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
$298.4M total assets against $304.9M; $268.1M total liabilities against $276.9M.
$238.3M net loans and leases against $230.7M; $253.9M total deposits against $241.9M.
$38.3M securities against $47.5M; $7.0M cash and balances due against $10.6M.
$4.2M total interest income against $4.2M; $1.1M total interest expense against $1.4M.
$3.1M net interest income against $2.8M.
$423K total noninterest income against $430K; $2.0M total noninterest expense against $1.9M.
$100K provision for credit losses against $0.
$1.3M net income against $1.2M.
1.80% return on assets against 1.64%; 4.57% net interest margin against 3.88%.
11.55% CET1 capital ratio against 11.11%; 9.77% tier 1 leverage ratio against 8.78%.
Inside the full Minnesota National 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.
Minnesota National Bank rankings
Its closest position to the top of a national ranking is 747 of 3,611, for ROA; its furthest is 1,836 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q3 2024) to 1.80% (Q2 2026) and its net interest margin ran from 3.23% (Q3 2024) to 4.57% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.55% | 1.80% | 0.49% | 4.05% | 4.57% |
| Q1 2026 | 12.00% | 1.54% | 0.42% | 3.32% | 4.31% |
| Q4 2025 | 11.89% | 1.59% | 0.09% | 0.70% | 4.28% |
| Q3 2025 | 11.54% | 1.71% | 0.09% | 1.94% | 4.07% |
| Q2 2025 | 11.11% | 1.64% | 0.15% | 2.55% | 3.88% |
| Q1 2025 | 10.54% | 1.13% | 0.07% | 1.83% | 3.61% |
| Q4 2024 | 10.72% | 1.34% | 0.38% | 3.33% | 3.47% |
| Q3 2024 | 10.63% | 0.65% | 0.48% | 4.24% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Minnesota National Bank (main office) | Sauk Centre , MN | 56378 | $171.8M |
| Long Prairie Branch | Long Prairie , MN | 56347 | $57.1M |
| Pelican Rapids Branch | Pelican Rapids , MN | 56572 | $24.9M |
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 |
|---|---|---|---|
| March 22, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 22, 2008 | Structure Change | Acquired Lake Country State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action August 20, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 121 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 106 applications, 105 loans originated, $27.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $3.2M approved, $790K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Minnesota National Bank
What are Minnesota National Bank's total assets?
As of the Q2 2026 filing, Minnesota National Bank reported total assets of $298.4 million in its FFIEC call report.
Where is Minnesota National Bank headquartered?
It is headquartered in Sauk Centre, MN, United States.
When was Minnesota National Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Minnesota National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Minnesota National Bank?
Minnesota National Bank's primary federal regulator is the OCC.
What is Minnesota National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.55% in its Q2 2026 call report, above regulatory requirements.
How many branches does Minnesota National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Minnesota National Bank's Texas Ratio?
Its Texas Ratio is 4.05% 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 Minnesota National Bank previously called?
The charter now named Minnesota National Bank has also operated as First National Bank of Sauk Centre (1950-2008), per FDIC structure-change records.
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