Cortrust Bank N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Cortrust Bank N.A. is a community bank chartered in 1930, based in Mitchell, SD. Profitability runs below industry average: 0.50% ROA, 5.62% ROE, with NIM at 3.76%. Cortrust Bank N.A's Q2 2026 balance sheet shows $1.6B in assets funded primarily by $1.4B in customer deposits. Regulatory capital is solid, 13.27% CET1 and 14.30% total risk-based capital ratio. Asset quality is solid, 0.77% nonperforming loans and a 5.27% Texas Ratio. Cortrust Bank N.A operates a 37-branch network.
As of June 30, 2026, Cortrust Bank N.A. reported a CET1 capital ratio of 13.27%, a return on assets of 0.50%, a nonperforming-loan ratio of 0.77%, a Texas ratio of 5.27%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 E Havens Ave, Mitchell, SD 57301
- County
- Davison
- Metro Area
- Mitchell, SD
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 31, 1930
- Former names
- CorTrust Bank (1993-1999)
- Offices
- 37 domestic
- Employees (FTE)
- 299
- Domestic deposits
- $1.38B
- Allowance for credit losses
- $12.1M
- Net charge-offs (YTD)
- $3.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6063
- Fed RSSD
- 61355
- Website
- www.cortrustbank.com →
- Parent Holding Company
- HOPKINS FINANCIAL CORPORATION (RSSD 1125740)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cortrust Bank N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cortrust Bank N.A., 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Cortrust Bank N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.27% | 0.50% | 0.77% | 5.27% | 3.76% |
| Q1 2026 | 13.42% | 0.27% | 0.88% | 7.09% | 3.66% |
| Q4 2025 | 13.33% | 0.70% | 0.98% | 7.27% | 3.76% |
| Q3 2025 | 13.44% | 0.55% | 0.35% | 3.64% | 3.81% |
| Q2 2025 | 13.06% | 0.46% | 0.11% | 4.25% | 3.68% |
| Q1 2025 | 13.14% | 0.42% | 0.12% | 1.20% | 3.61% |
| Q4 2024 | 12.69% | 0.54% | 0.13% | 0.98% | 3.38% |
| Q3 2024 | 12.57% | 0.10% | 0.17% | 1.36% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 37 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cortrust Bank N.A. (main office) | Mitchell , SD | 57301 | $200.3M |
| Cherapa Branch | Sioux Falls , SD | 57103 | $112.6M |
| State Bank of Delano Branch | Delano , MN | 55328 | $107.5M |
| Vermillion Branch | Vermillion , SD | 57069 | $61.6M |
| Glencoe Branch | Glencoe , MN | 55336 | $61.6M |
| Freeman Branch | Freeman , SD | 57029 | $61.0M |
| Southwest Branch | Sioux Falls , SD | 57106 | $58.2M |
| South Minnesota Branch | Sioux Falls , SD | 57105 | $49.3M |
| Yankton Branch | Yankton , SD | 57078 | $42.1M |
| Yankton Branch | Yankton , SD | 57078 | $38.9M |
| Aberdeen Branch | Aberdeen , SD | 57401 | $37.8M |
| Monticello Branch | Monticello , MN | 55362 | $36.3M |
| Blaine State Bank Branch | Blaine , MN | 55434 | $34.9M |
| Webster Branch | Webster , SD | 57274 | $33.0M |
| Leola Branch | Leola , SD | 57456 | $32.2M |
| Woodbury Branch | Woodbury , MN | 55125 | $31.8M |
| Tabor Branch | Tabor , SD | 57063 | $31.0M |
| Buffalo Branch | Buffalo , MN | 55313 | $30.2M |
| Artesian Branch | Artesian , SD | 57314 | $30.2M |
| Mitchell Branch | Mitchell , SD | 57301 | $29.3M |
| First Minnesota Bank Branch | Minnetonka , MN | 55345 | $26.7M |
| Bowdle Branch | Bowdle , SD | 57428 | $25.8M |
| 308 Main Street South | Hutchinson , MN | 55350 | $24.4M |
| Sycamore Branch | Sioux Falls , SD | 57110 | $22.6M |
| Gayville Branch | Gayville , SD | 57031 | $20.0M |
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 |
|---|---|---|---|
| August 17, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 2019 | Structure Change | Acquired First Minnesota Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 4, 2018 | Structure Change | Acquired State Bank of Delano Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 3, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 23, 2013 | Structure Change | Acquired Blaine State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2009 | Structure Change | Acquired Brickwell Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 11, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 22, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 2000 | Structure Change | Acquired The First National Bank of Freeman Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2000 | Structure Change | Acquired Day County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 14, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1990 | Structure Change | Acquired Live Stock State Bank 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 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Cortrust Bank N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- September 17, 2004, OCC: Civil Money Penalty (CMP): Cortrust Bank National Association
- Period: Most recent institution action September 17, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 17 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 549 applications, 464 loans originated, $68.9M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cortrust Bank N.A.
What are Cortrust Bank N.A.'s total assets?
As of the Q2 2026 filing, Cortrust Bank N.A. reported total assets of $1.56 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cortrust Bank N.A. headquartered?
Cortrust Bank N.A. is headquartered in Mitchell, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Cortrust Bank N.A. founded?
Cortrust Bank N.A. was established in 1930, per the FDIC institution directory.
Is Cortrust Bank N.A. FDIC-insured?
Yes. Cortrust Bank N.A. is an FDIC-insured commercial bank (FDIC Certificate #6063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cortrust Bank N.A.?
Cortrust Bank N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cortrust Bank N.A.'s CET1 capital ratio?
Cortrust Bank N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cortrust Bank N.A. operate?
Cortrust Bank N.A. operates 37 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cortrust Bank N.A.'s Texas Ratio?
Cortrust Bank N.A.'s Texas Ratio is 5.27% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Cortrust Bank N.A. previously called?
The charter now named Cortrust Bank N.A. has also operated as CorTrust Bank (1993-1999), per FDIC structure-change records.
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