Profinium, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Profinium, Inc. is an FDIC-insured commercial bank headquartered in Truman, MN, established in 1916 (FDIC certificate 1905), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $533.1M, up 2.7% from Q2 2025, the 47th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 13.17% 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
- 1905
- Headquarters
- Truman, MN
- Established
- 1916
- Total assets, Q2 2026
- $533.1M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 13.17%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091212865
- Holding company
- PROFINIUM FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 47th of 221 in Minnesota
Profinium, Inc., based in Truman, Minnesota, reported $533 million in assets at June 30, 2026, up 2.7% from a year earlier. It shrank its loan book 3.7% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also keeps 3.45 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $1.5 million, 54% above the same quarter a year earlier. Over the same year, loans shrank 3.7% and deposits grew 3.0%.
As of June 30, 2026, Profinium, Inc. reported a CET1 capital ratio of 13.17%, a return on assets of 1.07%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 1.03%. The figures come from its call report filed with the FFIEC.
Profinium, Inc. ranks as the 47th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $533.1M, loans rose 0.8% and deposits rose 1.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 23.2% of total loans, followed by 1-4 family residential loans at 17.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in MN; its Fairmont office books 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, Profinium, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 414 N 5th Ave E, Truman, MN 56088
- County
- Martin
- Metro Area
- Fairmont, MN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 12, 1916
- Former names
- Profinium Financial, Inc. (2003-2013); Peoples State Bank of Truman, Inc. (1999-2003)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $455.1M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $105K
- Average total assets
- $544.8M
- Average total loans
- $393.4M
- Average interest-bearing deposits
- $366.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1905
- Fed RSSD
- 865450
- Website
- www.profinium.com →
- Parent Holding Company
- PROFINIUM FINANCIAL HOLDINGS, INC. (RSSD 1128527)
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
Profinium, Inc.'s total assets moved between a low of $505.5M (Q3 2023) and a high of $534.0M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$533.1M total assets against $518.9M; $483.5M total liabilities against $475.7M.
$388.9M net loans and leases against $403.8M; $455.1M total deposits against $441.8M.
$69.5M securities against $65.3M; $45.5M cash and balances due against $18.8M.
$6.9M total interest income against $6.6M; $2.5M total interest expense against $2.8M.
$4.4M net interest income against $3.7M.
$856K total noninterest income against $777K; $3.4M total noninterest expense against $3.3M.
-$79K provision for credit losses against $0.
$1.5M net income against $947K.
1.07% return on assets against 0.71%; 3.45% net interest margin against 2.96%.
13.17% CET1 capital ratio against 11.67%; 10.17% tier 1 leverage ratio against 9.49%.
Inside the full Profinium, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeProfinium, Inc. rankings
Its closest position to the top of a national ranking is 1,703 of 4,196, for total assets; its furthest is 2,663 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.01% (Q4 2024) to 1.07% (Q2 2026) and its net interest margin ran from 2.65% (Q3 2024) to 3.45% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.17% | 1.07% | 0.13% | 1.03% | 3.45% |
| Q1 2026 | 12.90% | 0.73% | 0.19% | 1.49% | 3.28% |
| Q4 2025 | 12.57% | 0.90% | 0.18% | 1.37% | 3.22% |
| Q3 2025 | 12.36% | 0.64% | 0.24% | 1.95% | 3.09% |
| Q2 2025 | 11.67% | 0.71% | 0.19% | 1.70% | 2.96% |
| Q1 2025 | 11.69% | 0.70% | 0.22% | 1.98% | 3.12% |
| Q4 2024 | 11.13% | -0.01% | 0.21% | 2.03% | 2.77% |
| Q3 2024 | 11.32% | 0.32% | 0.14% | 3.57% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Fairmont Branch | Fairmont , MN | 56031 | $245.6M |
| Profinium, Inc, Owatonna Branch | Owatonna , MN | 55060 | $96.4M |
| Profinium, Inc. (main office) | Truman , MN | 56088 | $70.9M |
| Profinium, Inc. Mankato Branch | Mankato , MN | 56001 | $42.2M |
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 |
|---|---|---|---|
| October 25, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 25, 2003 | Structure Change | Acquired The Martin County National Bank of Fairmont Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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
- 1 against the institution (Federal Reserve). These actions name the parent holding company, PROFINIUM FINANCIAL HOLDINGS, INC., not the bank itself
- July 9, 2009, Federal Reserve: Written Agreement: Profinium Financial Holdings, Inc., Fairmont, Minnesota; Profinium Financial, Inc., Truman, Minnesota
- Period: Most recent institution action July 9, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MN, rank 67 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 36 applications, 23 loans originated, $14.2M originated, across 3 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K 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 Profinium, Inc.
What are Profinium, Inc.'s total assets?
As of the Q2 2026 filing, Profinium, Inc. reported total assets of $533.1 million in its FFIEC call report.
Where is Profinium, Inc. headquartered?
It is headquartered in Truman, MN, United States.
When was Profinium, Inc. founded?
It was established in 1916, per the FDIC institution directory.
Is Profinium, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Profinium, Inc.?
Profinium, Inc.'s primary federal regulator is the Federal Reserve.
What is Profinium, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Profinium, Inc. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Profinium, Inc.'s Texas Ratio?
Its Texas Ratio is 1.03% 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.
What was Profinium, Inc. previously called?
The charter now named Profinium, Inc. has also operated as Profinium Financial, Inc. (2003-2013), Peoples State Bank of Truman, Inc. (1999-2003), per FDIC structure-change records.
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