21st Century Bank
Loretto, MN
IDRSSD: 340256
Total Assets
$875.95M
Latest filing
Total Deposits
$658.60M
Latest filing
Net Interest Margin
3.53%
Profitability
Key People
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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 01/30/2026Established 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 |
| ROSEVILLE BRANCH | 2335 Highway 36 W | Roseville, MN |
| 21ST CENTURY BANK BRANCH | 43 Se Main St | Minneapolis, MN |
| EAGAN BRANCH | 3390 Heritage Ln | Eagan, 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 | 60 |
| 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 | 01/30/2026 |
| CERT | 9751 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $875.95M |
| Total Deposits | $658.60M |
| Total Liabilities | $788.71M |
| Total Equity Capital | $87.24M |
| Net Income | $3.30M |
| Net Loans and Leases | $654.99M |
| Assets Per Employee ($Millions) | $14.13M |
| Bank Premises and Fixed Assets | $5.20M |
| Cash and Balances due from Depository Institutions | $7.58M |
| Deposits Held in Domestic Offices | $658.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 15.42% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 42.02% |
| Tier 1 Risk-Based Capital Ratio | 14.525% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.959% |
| Earning Assets to total Assets | 97.43% |
Income and Expense
| Total Interest Income | $12.57M |
| Total Noninterest Income | $714.00k |
| Total Interest Expense | $5.08M |
| Total Noninterest Expense | $3.45M |
| Net Interest Income | $7.49M |
| Pre-tax Net Operating Income | $4.40M |
| Provision for Credit Losses | $355.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $447.00k |
| Other borrowed funds | $122.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.11M |
| Total Liabilities and Capital | $875.95M |
Securities
| Securities | $193.61M |
| Available-for-sale debt securities | $193.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$875.95M as of the latest filing.
How much are 21st Century Bank's total deposits?
$658.60M in total deposits.
Where is 21st Century Bank located?
Loretto, MN.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
8.
When was it established?
06/02/1917.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$654.99M (latest filing).
What is the total interest income (latest filing)?
$12.57M.