Minnesota National Bank: 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: 13.51 percentage points higher than in Q1 2026, at 277.73%. Minnesota National Bank ranks 53rd of 221 Minnesota banks on return on assets, in the upper half at 1.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Minnesota National Bank sits 0.55 points higher, at 1.80% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.55% |
| Tier 1 risk-based capital ratio | 11.55% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 9.77% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 8.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.05% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 277.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.80% |
| Return on equity | 17.41% |
| Net interest margin | 4.57% |
| Efficiency ratio | 56.09% |
| Yield on earning assets | 6.14% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.84% |
| Core deposits to total deposits | 91.89% |
| Brokered deposits to total deposits | 3.95% |
| Deposits to assets | 85.07% |
| Securities to assets | 12.85% |
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 | 10.60% | 10.60% | 11.60% | 8.31% | 0.73% |
| Q4 2023 | 10.53% | 10.53% | 11.54% | 8.35% | 0.93% |
| Q1 2024 | 10.31% | 10.31% | 11.31% | 8.22% | 0.77% |
| Q2 2024 | 10.51% | 10.51% | 11.50% | 8.39% | 1.46% |
| Q3 2024 | 10.63% | 10.63% | 11.72% | 8.22% | 0.65% |
| Q4 2024 | 10.72% | 10.72% | 11.79% | 8.46% | 1.34% |
| Q1 2025 | 10.54% | 10.54% | 11.58% | 8.53% | 1.13% |
| Q2 2025 | 11.11% | 11.11% | 12.17% | 8.78% | 1.64% |
| Q3 2025 | 11.54% | 11.54% | 12.63% | 9.01% | 1.71% |
| Q4 2025 | 11.89% | 11.89% | 12.95% | 9.24% | 1.59% |
| Q1 2026 | 12.00% | 12.00% | 13.07% | 9.57% | 1.54% |
| Q2 2026 | 11.55% | 11.55% | 12.61% | 9.77% | 1.80% |
Minnesota National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota National Bank, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5249) · FFIEC NIC profile (RSSD 799751)