Sentry Bank
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Data as of · sourced from FFIEC call reports. How we update
Sentry Bank is an FDIC-insured commercial bank headquartered in Saint Joseph, MN, established in 1904 (FDIC certificate 8546), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $415.5M, up 18.9% from Q2 2025, the 62nd largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.00% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8546
- Headquarters
- Saint Joseph, MN
- Established
- 1904
- Total assets, Q2 2026
- $415.5M
- Assets vs Q2 2025
- +18.9%
- CET1 ratio, Q2 2026
- 11.00%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091909466
- Holding company
- SAINT JOSEPH BANCSHARES ACQUISITIONS, INC.
- Asset rank in state
- 62nd of 221 in Minnesota
Sentry Bank operates with a thinner capital cushion than most banks of its size. Based in Saint Joseph, Minnesota, it had $415 million in assets at June 30, 2026, up 18.9% from a year earlier. It holds common equity equal to 11.00% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for banks its size. It has also been growing, with assets up 18.9% in a year.
Net income for the quarter rose 24% from a year earlier, to $1.3 million. Over the same year, loans grew 27.5% and deposits grew 21.9%.
As of June 30, 2026, Sentry Bank reported a CET1 capital ratio of 11.00%, a return on assets of 1.34%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Sentry Bank is the 62nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 9.7% to $415.5M, loans rose 6.5% and deposits rose 10.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.3% of total loans, followed by non-owner-occupied commercial real estate loans at 19.8%. The FDIC Summary of Deposits lists 4 offices for it, in Saint Joseph, MN, Saint Cloud, MN and Saint Stephen, MN; its Saint Joseph office books 77% of its branch deposits. Judged on its Q2 2026 call report, Sentry Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 4th Ave Ne, Saint Joseph, MN 56374
- County
- Stearns
- Metro Area
- St. Cloud, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 4, 1904
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $365.0M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $395.8M
- Average total loans
- $298.7M
- Average interest-bearing deposits
- $318.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8546
- Fed RSSD
- 746157
- Website
- www.mysentrybank.com →
- Parent Holding Company
- SAINT JOSEPH BANCSHARES ACQUISITIONS, INC. (RSSD 3348011)
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
From Q3 2023 to Q2 2026, Sentry Bank's total assets ranged from $308.8M (Q3 2023) to $415.5M (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
$415.5M total assets against $349.3M; $378.5M total liabilities against $316.3M.
$306.0M net loans and leases against $239.6M; $365.0M total deposits against $299.5M.
$63.2M securities against $62.6M; $26.4M cash and balances due against $27.6M.
$5.8M total interest income against $4.8M; $2.0M total interest expense against $1.7M.
$3.8M net interest income against $3.1M.
$193K total noninterest income against $211K; $2.1M total noninterest expense against $1.8M.
$120K provision for credit losses against $60K.
$1.3M net income against $1.1M.
1.34% return on assets against 1.26%; 4.02% net interest margin against 3.79%.
11.00% CET1 capital ratio; 8.66% tier 1 leverage ratio against 9.13%.
Inside the full Sentry Bank 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.
Sentry Bank rankings
Its closest position to the top of a national ranking is 851 of 3,606, for efficiency ratio; its furthest is 3,430 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q1 2025) to 1.35% (Q4 2025) and its net interest margin ran from 3.34% (Q1 2025) to 4.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 1.34% | 0.00% | 0.00% | 4.02% |
| Q1 2026 | 11.17% | 1.19% | 0.00% | 0.00% | 3.83% |
| Q4 2025 | — | 1.35% | 0.00% | 0.13% | 3.91% |
| Q3 2025 | — | 1.23% | 0.02% | 0.15% | 3.81% |
| Q2 2025 | — | 1.26% | 0.02% | 0.15% | 3.79% |
| Q1 2025 | — | 1.01% | 0.02% | 0.16% | 3.34% |
| Q4 2024 | — | 1.14% | 0.02% | 0.16% | 3.47% |
| Q3 2024 | — | 1.23% | 0.02% | 0.16% | 3.63% |
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 |
|---|---|---|---|
| Sentry Bank (main office) | Saint Joseph , MN | 56374 | $282.2M |
| Saint Cloud Branch | Saint Cloud , MN | 56303 | $31.7M |
| St. Stephen State Bank Branch | Saint Stephen , MN | 56375 | $28.6M |
| Saint Cloud Downtown Office | Saint Cloud , MN | 56301 | $22.6M |
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 |
|---|---|---|---|
| January 16, 2010 | Structure Change | Acquired Saint Stephen State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 15, 2010 | Merger | Participated in FDIC Assisted 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 83 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.0M approved, $980K 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 Sentry Bank
What are Sentry Bank's total assets?
As of the Q2 2026 filing, Sentry Bank reported total assets of $415.5 million in its FFIEC call report.
Where is Sentry Bank headquartered?
It is headquartered in Saint Joseph, MN, United States.
When was Sentry Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Sentry Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sentry Bank?
Sentry Bank's primary federal regulator is the FDIC.
What is Sentry Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.00% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sentry Bank 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 Sentry Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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