Minnesota National Bank
Sauk Centre, MN
IDRSSD: 799751
Total Assets
$291.46M
Latest filing
Total Deposits
$243.65M
Latest filing
Net Interest Margin
4.37%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091902065SAUK CENTRE, MN
Key People
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Locations
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Main Office
Minnesota National Bank
131 12th St S
Sauk Centre, MN 56378
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/11/1902FDIC Certificate 3527
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Minnesota National Bank (Main) | 131 12th St S | Sauk Centre, MN |
| PELICAN RAPIDS BRANCH | 1001 S Broadway | Pelican Rapids, MN |
| LONG PRAIRIE BRANCH | 706 Lake St S | Long Prairie, MN |
Showing 2 of 2
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 09/11/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56378 |
| State and County Number | 27145 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | St. Cloud, MN |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 3 |
| 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.mn-bank.bank |
| Data Updated | 01/30/2026 |
| CERT | 5249 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $291.46M |
| Total Deposits | $243.65M |
| Total Liabilities | $261.83M |
| Total Equity Capital | $29.64M |
| Net Income | $1.19M |
| Net Loans and Leases | $223.37M |
| Assets Per Employee ($Millions) | $5.72M |
| Bank Premises and Fixed Assets | $7.72M |
| Cash and Balances due from Depository Institutions | $10.20M |
| Deposits Held in Domestic Offices | $243.65M |
Key Performance Ratios
| Return on Assets (ROA) | 1.62% |
| Return on Equity (ROE) | 16.21% |
| Net Interest Margin | 4.37% |
| Efficiency Ratio | 64.59% |
| Tier 1 Risk-Based Capital Ratio | 11.885% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.168% |
| Earning Assets to total Assets | 93% |
Income and Expense
| Total Interest Income | $4.24M |
| Total Noninterest Income | $410.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $2.19M |
| Net Interest Income | $2.98M |
| Pre-tax Net Operating Income | $1.28M |
| Provision for Credit Losses | $-80,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.00M |
| All Other Liabilities | $1.18M |
| Total Liabilities and Capital | $291.46M |
Securities
| Securities | $42.86M |
| Available-for-sale debt securities | $42.86M |
| 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 Minnesota National Bank?
$291.46M as of the latest filing.
How much are Minnesota National Bank's total deposits?
$243.65M in total deposits.
Where is Minnesota National Bank located?
Sauk Centre, MN.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
3.
When was it established?
09/11/1902.
What is the Return on Assets (ROA)?
1.62%.
How much are total loans and leases?
$223.37M (latest filing).
What is the total interest income (latest filing)?
$4.24M.