Minnesota First Credit and Savings, Incorporated
Rochester, MN
IDRSSD: 821559
Total Assets
$28.06M
Latest filing
Total Deposits
$23.04M
Latest filing
Net Interest Margin
4.63%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Minnesota First Credit and Savings, Incorporated
1932 Viking Dr Nw
Rochester, MN 55901
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1956FDIC Certificate 35871
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Minnesota First Credit and Savings, Incorporated (Main) | 1932 Viking Dr Nw | Rochester, MN |
| OWATONNA BRANCH | 111 N Cedar Ave | Owatonna, MN |
| WINONA BRANCH | 1858 North Service Drive | Winona, MN |
| RED WING BRANCH | 144 Tyler Rd N | Red Wing, MN |
Showing 3 of 3
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 | 01/01/1956 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 55901 |
| State and County Number | 27109 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 23 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Rochester, MN |
Operational Info
| Number of Employees | 7 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/07/1986 |
| Primary Insurance Agency | DIF |
| Website | www.mnfirst.com |
| Data Updated | 11/14/2025 |
| CERT | 26755 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $28.06M |
| Total Deposits | $23.04M |
| Total Liabilities | $23.88M |
| Total Equity Capital | $4.18M |
| Net Income | $38.00k |
| Net Loans and Leases | $25.60M |
| Assets Per Employee ($Millions) | $4.01M |
| Bank Premises and Fixed Assets | $581.00k |
| Cash and Balances due from Depository Institutions | $1.31M |
| Deposits Held in Domestic Offices | $23.04M |
Key Performance Ratios
| Return on Assets (ROA) | 0.55% |
| Return on Equity (ROE) | 3.65% |
| Net Interest Margin | 4.63% |
| Efficiency Ratio | 86.26% |
| Tier 1 Risk-Based Capital Ratio | 20.722% |
| 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 | 14.901% |
| Earning Assets to total Assets | 95.49% |
Income and Expense
| Total Interest Income | $542.00k |
| Total Noninterest Income | $11.00k |
| Total Interest Expense | $240.00k |
| Total Noninterest Expense | $270.00k |
| Net Interest Income | $302.00k |
| Pre-tax Net Operating Income | $43.00k |
| 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 | $0 |
| Other borrowed funds | $569.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $350.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $265.00k |
| Total Liabilities and Capital | $28.06M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| 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 Minnesota First Credit and Savings, Incorporated?
$28.06M as of the latest filing.
How much are Minnesota First Credit and Savings, Incorporated's total deposits?
$23.04M in total deposits.
Where is Minnesota First Credit and Savings, Incorporated located?
Rochester, MN.
What is the Net Interest Margin?
4.63%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1956.
What is the Return on Assets (ROA)?
0.55%.
How much are total loans and leases?
$25.60M (latest filing).
What is the total interest income (latest filing)?
$542.00k.