MY Kind of Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
MY Kind of Bank, N.A. is an FDIC-insured commercial bank headquartered in Ottertail, MN, established in 1903 (FDIC certificate 5162), and it is supervised by the OCC. At Q2 2026 it reported total assets of $422.6M, up 7.3% from Q2 2025, the 61st largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.89% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5162
- Headquarters
- Ottertail, MN
- Established
- 1903
- Total assets, Q2 2026
- $422.6M
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 11.89%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 091204763
- Latest call report
- Q2 2026, FFIEC 051 · MY Kind of Bank, N.A. Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- HENNING BANCSHARES, INC.
- Asset rank in state
- 61st of 221 in Minnesota
MY Kind of Bank, N.A. operates with a thinner capital cushion than most banks of its size. Based in Ottertail, Minnesota, it had $423 million in assets at June 30, 2026, up 7.3% from a year earlier. It funds 9.03% of its assets with Tier 1 capital, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 10.2% of the capital and reserves that would absorb them, 3.9 times the median of 2.7% for banks its size.
Earnings jumped: net income for the quarter was $1.5 million, 32% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.96% of loans from 0.68% a year earlier.
As of June 30, 2026, MY Kind of Bank, N.A. reported a CET1 capital ratio of 11.89%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 10.23%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, MY Kind of Bank, N.A. is the 61st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $422.6M, loans rose 3.9% and deposits rose 0.1%. 1-4 family residential loans made up 41.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 13.9%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in MN; its Battle Lake office books 35% of its branch deposits. By the capital ratios in its Q2 2026 call report, MY Kind of Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 106 Mn Highway 78 N, Ottertail, MN 56571
- County
- Otter Tail
- Metro Area
- Fergus Falls, 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
- August 1, 1903
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $385.6M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- -$48K
- Average total assets
- $420.3M
- Average total loans
- $305.5M
- Average interest-bearing deposits
- $343.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5162
- Fed RSSD
- 23456
- Website
- www.mykindofbank.com →
- Parent Holding Company
- HENNING BANCSHARES, INC. (RSSD 1125290)
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, MY Kind of Bank, N.A.'s total assets ran between $321.2M (Q3 2023) and $422.6M (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
$422.6M total assets against $393.9M; $388.6M total liabilities against $365.1M.
$311.0M net loans and leases against $290.4M; $385.6M total deposits against $355.9M.
$81.3M securities against $74.7M; $10.7M cash and balances due against $10.2M.
$6.2M total interest income against $5.6M; $2.1M total interest expense against $2.1M.
$4.1M net interest income against $3.5M.
$737K total noninterest income against $622K; $3.0M total noninterest expense against $2.7M.
$200K provision for credit losses against $210K.
$1.5M net income against $1.2M.
1.47% return on assets against 1.20%; 4.16% net interest margin against 3.85%.
11.89% CET1 capital ratio against 11.63%; 9.03% tier 1 leverage ratio against 8.89%.
Inside the full MY Kind of Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMY Kind of Bank, N.A. rankings
Its closest position to the top of a national ranking is 619 of 3,640, for Texas Ratio; its furthest is 1,743 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q1 2025) to 1.47% (Q2 2026) and its net interest margin ran from 3.34% (Q3 2024) to 4.16% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.89% | 1.47% | 0.96% | 10.23% | 4.16% |
| Q1 2026 | 11.77% | 1.37% | 0.91% | 9.62% | 3.89% |
| Q4 2025 | 11.97% | 1.26% | 0.73% | 7.77% | 3.90% |
| Q3 2025 | 11.78% | 1.06% | 0.88% | 9.20% | 4.00% |
| Q2 2025 | 11.63% | 1.20% | 0.84% | 8.19% | 3.85% |
| Q1 2025 | 12.11% | 0.92% | 1.13% | 11.77% | 3.55% |
| Q4 2024 | 11.78% | 1.11% | 0.93% | 10.92% | 3.48% |
| Q3 2024 | 11.76% | 0.95% | 0.44% | 4.40% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Battle Lake Br | Battle Lake , MN | 56515 | $136.7M |
| Henning Branch | Henning , MN | 56551 | $97.9M |
| MY Kind of Bank, N.A. (main office) | Ottertail , MN | 56571 | $86.3M |
| Detroit Lakes Branch | Detroit Lakes , MN | 56501 | $34.1M |
| First Security Bank - Evansville Branch | Evansville , MN | 56326 | $30.6M |
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 3, 2018 | Structure Change | Acquired The First National Bank of Battle Lake Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 2, 2018 | 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.
- Deposit market share
- 0.1% of deposits in MN, rank 78 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $522K approved, $87K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 MY Kind of Bank, N.A.
What are MY Kind of Bank, N.A.'s total assets?
As of the Q2 2026 filing, MY Kind of Bank, N.A. reported total assets of $422.6 million in its FFIEC call report.
Where is MY Kind of Bank, N.A. headquartered?
It is headquartered in Ottertail, MN, United States.
When was MY Kind of Bank, N.A. founded?
It was established in 1903, per the FDIC institution directory.
Is MY Kind of Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MY Kind of Bank, N.A.?
MY Kind of Bank, N.A.'s primary federal regulator is the OCC.
What is MY Kind of Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does MY Kind of Bank, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is MY Kind of Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 10.23% 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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