Minnstar Bank N.A.: 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.
Loan-to-deposit ratio dropped 3.02 percentage points in Q2 2026, from 98.55% to 95.53%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Minnstar Bank N.A. is 154th of 221 on return on assets, 1.12% as of Q2 2026, below the middle of the field. Minnstar Bank N.A. reported 1.12% on return on assets for Q2 2026, 0.13 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.42% |
| Tier 1 risk-based capital ratio | 13.42% |
| Total risk-based capital ratio | 14.67% |
| Tier 1 leverage ratio | 10.38% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.70% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 374.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 10.67% |
| Net interest margin | 3.73% |
| Efficiency ratio | 60.30% |
| Yield on earning assets | 5.85% |
| Cost of funds | 2.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.53% |
| Core deposits to total deposits | 90.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.36% |
| Securities to assets | 4.49% |
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 | 9.73% | 9.73% | 10.79% | 7.88% | 1.17% |
| Q4 2023 | 9.73% | 9.73% | 10.98% | 8.14% | 1.10% |
| Q1 2024 | 12.35% | 12.35% | 13.61% | 9.23% | 0.81% |
| Q2 2024 | 13.04% | 13.04% | 14.29% | 10.06% | 0.75% |
| Q3 2024 | 13.65% | 13.65% | 14.91% | 10.37% | 0.73% |
| Q4 2024 | 14.51% | 14.51% | 15.77% | 10.61% | 0.78% |
| Q1 2025 | 14.84% | 14.84% | 16.09% | 10.92% | 0.90% |
| Q2 2025 | 14.76% | 14.76% | 16.02% | 10.90% | 0.91% |
| Q3 2025 | 15.58% | 15.58% | 16.84% | 11.12% | 0.92% |
| Q4 2025 | 14.77% | 14.77% | 16.02% | 11.20% | 0.50% |
| Q1 2026 | 14.29% | 14.29% | 15.55% | 11.32% | 0.99% |
| Q2 2026 | 13.42% | 13.42% | 14.67% | 10.38% | 1.12% |
Minnstar Bank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnstar Bank N.A., 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 Minnstar Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13809) · FFIEC NIC profile (RSSD 89854)