Minster Bank
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Data as of · sourced from FFIEC call reports. How we update
Minster Bank is an FDIC-insured commercial bank headquartered in Minster, OH, established in 1914 (FDIC certificate 763), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $811.6M, up 4.9% from Q2 2025, the 43rd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 16.09% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 763
- Headquarters
- Minster, OH
- Established
- 1914
- Total assets, Q2 2026
- $811.6M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 16.09%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 042310525
- Holding company
- MINSTER FINANCIAL CORP.
- Asset rank in state
- 43rd of 154 in Ohio
Minster Bank is one of the more profitable banks of its size. Based in Minster, Ohio, it had $812 million in assets at June 30, 2026, up 4.9% from a year earlier. It returns 19.6% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also grew its loan book 14.5% over the year, 2.7 times the median of 5.5% for banks its size. Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Net income for the quarter rose 16% from a year earlier, to $3.4 million. Over the same year, loans grew 14.5% and deposits grew 5.3%.
As of June 30, 2026, Minster Bank reported a CET1 capital ratio of 16.09%, a return on assets of 1.66%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.84%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Minster Bank is the 43rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $811.6M, loans rose 2.2% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.2% of total loans, followed by owner-occupied commercial real estate loans at 19.3%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in OH; its Minster office books 34% of its branch deposits. On its Q2 2026 call report, Minster Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 95 W 4th St, Minster, OH 45865
- County
- Auglaize
- Metro Area
- Wapakoneta, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 23, 1914
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 94
- Domestic deposits
- $719.4M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $826.9M
- Average total loans
- $459.5M
- Average interest-bearing deposits
- $558.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 763
- Fed RSSD
- 604024
- Website
- https://www.minsterbank.com →
- Parent Holding Company
- MINSTER FINANCIAL CORP. (RSSD 2795702)
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
Minster Bank's total assets moved between a low of $708.0M (Q3 2023) and a high of $814.0M (Q1 2026) from Q3 2023 to Q2 2026, 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
$811.6M total assets against $773.5M; $739.4M total liabilities against $711.8M.
$457.0M net loans and leases against $399.0M; $719.4M total deposits against $683.4M.
$238.8M securities against $233.8M; $89.0M cash and balances due against $113.6M.
$10.1M total interest income against $9.0M; $2.5M total interest expense against $2.4M.
$7.6M net interest income against $6.6M.
$1.6M total noninterest income against $1.5M; $4.5M total noninterest expense against $4.3M.
$450K provision for credit losses against $72K.
$3.4M net income against $3.0M.
1.66% return on assets against 1.52%; 3.82% net interest margin against 3.56%.
16.09% CET1 capital ratio against 16.69%; 10.08% tier 1 leverage ratio against 9.73%.
Inside the full Minster Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMinster Bank rankings
Its closest position to the top of a national ranking is 648 of 3,606, for efficiency ratio; its furthest is 2,772 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.22% (Q3 2024) to 1.66% (Q2 2026) and its net interest margin ran from 3.25% (Q3 2024) to 3.82% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.09% | 1.66% | 0.14% | 0.84% | 3.82% |
| Q1 2026 | 15.87% | 1.53% | 0.16% | 0.97% | 3.65% |
| Q4 2025 | 15.79% | 1.54% | 0.16% | 1.01% | 3.58% |
| Q3 2025 | 17.29% | 1.57% | 0.10% | 0.57% | 3.53% |
| Q2 2025 | 16.69% | 1.52% | 0.11% | 0.69% | 3.56% |
| Q1 2025 | 16.53% | 1.40% | 0.05% | 0.34% | 3.41% |
| Q4 2024 | 16.95% | 1.48% | 0.24% | 1.54% | 3.31% |
| Q3 2024 | 18.12% | 1.22% | 0.98% | 5.41% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Minster Bank (main office) | Minster , OH | 45865 | $242.6M |
| Sidney Banking Center Branch | Sidney , OH | 45365 | $117.4M |
| Wapakoneta Banking Center Branch | Wapakoneta , OH | 45895 | $97.2M |
| St. Marys Banking Center Branch | St. Marys , OH | 45885 | $81.9M |
| New Bremen Branch | New Bremen , OH | 45869 | $77.9M |
| Troy Banking Center Branch | Troy , OH | 45373 | $72.1M |
| Vandalia-Butler Branch | Dayton , OH | 45414 | $30.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 16, 2013, Federal Reserve: Civil Money Penalty, $2795.00: Minster Bank, Minster, Ohio
- Period: Most recent institution action July 16, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OH, rank 51 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $632K approved, $316K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Minster Bank
What are Minster Bank's total assets?
As of the Q2 2026 filing, Minster Bank reported total assets of $811.6 million in its FFIEC call report.
Where is Minster Bank headquartered?
It is headquartered in Minster, OH, United States.
When was Minster Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Minster Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Minster Bank?
Minster Bank's primary federal regulator is the Federal Reserve.
What is Minster Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Minster Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Minster Bank's Texas Ratio?
Its Texas Ratio is 0.84% 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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