Minnstar Bank N.A.
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Data as of · sourced from FFIEC call reports. How we update
Minnstar Bank N.A. is an FDIC-insured commercial bank headquartered in Lake Crystal, MN, established in 1934 (FDIC certificate 13809), and it is supervised by the OCC. At Q2 2026 it reported total assets of $204.0M, up 5.5% from Q2 2025, the 116th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 13.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 13809
- Headquarters
- Lake Crystal, MN
- Established
- 1934
- Total assets, Q2 2026
- $204.0M
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 13.42%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091903404
- Latest call report
- Q2 2026, FFIEC 051 · Minnstar Bank N.A. call report
- Holding company
- LAKE CRYSTAL BANCORPORATION, INC.
- Asset rank in state
- 116th of 221 in Minnesota
Minnstar Bank N.A. leans heavily on commercial real estate. Its balance sheet stood at $204 million at June 30, 2026, up 5.5% from a year earlier; it is based in Lake Crystal, Minnesota. It holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.27% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 29% from a year earlier, to $571,000. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.36% of loans from 0.83%.
As of June 30, 2026, Minnstar Bank N.A. reported a CET1 capital ratio of 13.42%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.70%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Minnstar Bank N.A. is the 116th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $204.0M, loans rose 1.1% and deposits rose 4.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 24.9% of total loans, followed by non-owner-occupied commercial real estate loans at 21.1%. Its 2 offices in the FDIC Summary of Deposits are in Mankato, MN and Lake Crystal, MN; its Mankato office books 58% of its branch deposits. Judged on its Q2 2026 call report, Minnstar Bank N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 N Main St, Lake Crystal, MN 56055
- County
- Blue Earth
- Metro Area
- Mankato, 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 051
- Established
- January 29, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $180.3M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $203.1M
- Average total loans
- $172.1M
- Average interest-bearing deposits
- $145.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 29, 1934
- FDIC Cert
- 13809
- Fed RSSD
- 89854
- Website
- www.minnstarbank.com →
- Parent Holding Company
- LAKE CRYSTAL BANCORPORATION, INC. (RSSD 1126747)
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, Minnstar Bank N.A.'s total assets ran between $188.7M (Q3 2025) and $219.3M (Q1 2024), 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
$204.0M total assets against $193.3M; $183.1M total liabilities against $172.3M.
$169.8M net loans and leases against $155.1M; $180.3M total deposits against $166.1M.
$9.2M securities against $10.1M; $16.1M cash and balances due against $18.7M.
$2.9M total interest income against $2.7M; $1.0M total interest expense against $1.0M.
$1.8M net interest income against $1.6M.
$139K total noninterest income against $147K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$571K net income against $441K.
1.12% return on assets against 0.91%; 3.73% net interest margin against 3.46%.
13.42% CET1 capital ratio against 14.76%; 10.38% tier 1 leverage ratio against 10.90%.
Inside the full Minnstar Bank N.A. 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.
Minnstar Bank N.A. rankings
Its closest position to the top of a national ranking is 1,855 of 3,606, for efficiency ratio; its furthest is 2,934 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q4 2025) to 1.12% (Q2 2026) and its net interest margin ran from 3.20% (Q4 2024) to 3.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.42% | 1.12% | 0.36% | 2.70% | 3.73% |
| Q1 2026 | 14.29% | 0.99% | 0.37% | 2.59% | 3.69% |
| Q4 2025 | 14.77% | 0.50% | 0.40% | 2.66% | 3.49% |
| Q3 2025 | 15.58% | 0.92% | 0.00% | 0.00% | 3.61% |
| Q2 2025 | 14.76% | 0.91% | 0.83% | 5.57% | 3.46% |
| Q1 2025 | 14.84% | 0.90% | 0.00% | 0.00% | 3.42% |
| Q4 2024 | 14.51% | 0.78% | 0.07% | 0.45% | 3.20% |
| Q3 2024 | 13.65% | 0.73% | 1.00% | 7.00% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Mankato Detached Facility | Mankato , MN | 56001 | $104.1M |
| Minnstar Bank N.A. (main office) | Lake Crystal , MN | 56055 | $76.2M |
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 |
|---|---|---|---|
| February 10, 1990 | Structure Change | Acquired First State Bank of Good Thunder Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
- 2 against the institution (OCC)
- March 12, 2024, OCC: Formal Agreement: Minnstar Bank National Association
- February 25, 2009, OCC: Formal Agreement: Minnstar Bank National Association
- Period: Most recent institution action March 12, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 148 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 61 applications, 59 loans originated, $16.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $165K approved, $165K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Minnstar Bank N.A.
What are Minnstar Bank N.A.'s total assets?
As of the Q2 2026 filing, Minnstar Bank N.A. reported total assets of $204.0 million in its FFIEC call report.
Where is Minnstar Bank N.A. headquartered?
It is headquartered in Lake Crystal, MN, United States.
When was Minnstar Bank N.A. founded?
It was established in 1934, per the FDIC institution directory.
Is Minnstar Bank N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Minnstar Bank N.A.?
Minnstar Bank N.A.'s primary federal regulator is the OCC.
What is Minnstar Bank N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Minnstar Bank N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Minnstar Bank N.A.'s Texas Ratio?
Its Texas Ratio is 2.70% 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.
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