21st Century Bank
Loretto, MN
IDRSSD: 340256
Total Assets
$864.57M
Latest filing
Total Deposits
$664.01M
Latest filing
Net Interest Margin
3.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
21st Century Bank
699 N Medina St
Loretto, MN 55357
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/02/1917FDIC Certificate 6238
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| 21st Century Bank (Main) | 699 N Medina St | Loretto, MN |
| BLAINE BRANCH | 9380 Central Ave Ne | Blaine, MN |
| 21ST CENTURY BRANCH | 17635 Central Ave Ne | Ham Lake, MN |
| BLAINE BRANCH | 4125 Ball Rd Ne | Blaine, MN |
| ROGERS BRANCH | 21340 136th Avenue N | Rogers, MN |
| LILYDALE BRANCH | 991 Sibley Memorial Hwy | Saint Paul, MN |
| ROSEVILLE BRANCH | 2335 Highway 36 W | Roseville, MN |
| 21ST CENTURY BANK BRANCH | 43 Se Main St | Minneapolis, MN |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/02/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55357 |
| State and County Number | 27053 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 59 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.21stcenturybank.com |
| Data Updated | 11/14/2025 |
| CERT | 9751 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $864.57M |
| Total Deposits | $664.01M |
| Total Liabilities | $780.55M |
| Total Equity Capital | $84.02M |
| Net Income | $2.52M |
| Net Loans and Leases | $627.46M |
| Assets Per Employee ($Millions) | $14.41M |
| Bank Premises and Fixed Assets | $3.49M |
| Cash and Balances due from Depository Institutions | $31.32M |
| Deposits Held in Domestic Offices | $664.01M |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 12.38% |
| Net Interest Margin | 3.33% |
| Efficiency Ratio | 49.11% |
| Tier 1 Risk-Based Capital Ratio | 14.619% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.718% |
| Earning Assets to total Assets | 97.64% |
Income and Expense
| Total Interest Income | $12.04M |
| Total Noninterest Income | $138.00k |
| Total Interest Expense | $5.21M |
| Total Noninterest Expense | $3.42M |
| Net Interest Income | $6.83M |
| Pre-tax Net Operating Income | $3.55M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $495.00k |
| Other borrowed funds | $110.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.54M |
| Total Liabilities and Capital | $864.57M |
Securities
| Securities | $187.32M |
| Available-for-sale debt securities | $187.32M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of 21st Century Bank?
$864.57M as of the latest filing.
How much are 21st Century Bank's total deposits?
$664.01M in total deposits.
Where is 21st Century Bank located?
Loretto, MN.
What is the Net Interest Margin?
3.33%.
How many domestic offices does it operate?
8.
When was it established?
06/02/1917.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$627.46M (latest filing).
What is the total interest income (latest filing)?
$12.04M.