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Minnstar Bank National Association

Lake Crystal, MN
IDRSSD: 89854
Total Assets
$188.67M
Latest filing
Total Deposits
$164.51M
Latest filing
Net Interest Margin
3.70%
Profitability
0

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 ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date01/29/1934
Community BankYes
Ownership TypeNot Mutual
ZIP56055
State and County Number27013
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number09
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameMankato, MN

Operational Info

Number of Employees26
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/29/1934
Primary Insurance AgencyDIF
Websitewww.minnstarbank.com
Data Updated11/14/2025
CERT13809
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$188.67M
Total Deposits$164.51M
Total Liabilities$167.42M
Total Equity Capital$21.25M
Net Income$443.00k
Net Loans and Leases$147.42M
Assets Per Employee ($Millions)$7.55M
Bank Premises and Fixed Assets$3.28M
Cash and Balances due from Depository Institutions$19.51M
Deposits Held in Domestic Offices$164.51M

Key Performance Ratios

Return on Assets (ROA)0.93%
Return on Equity (ROE)8.38%
Net Interest Margin3.7%
Efficiency Ratio65.44%
Tier 1 Risk-Based Capital Ratio15.578%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.263%
Earning Assets to total Assets93.67%

Income and Expense

Total Interest Income$2.66M
Total Noninterest Income$144.00k
Total Interest Expense$1.01M
Total Noninterest Expense$1.18M
Net Interest Income$1.66M
Pre-tax Net Operating Income$622.00k
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$2.00M
Federal Funds Sold & Reverse Repurchase Agreement$1.52M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$913.00k
Total Liabilities and Capital$188.67M

Securities

Securities$9.92M
Available-for-sale debt securities$9.85M
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 Minnstar Bank National Association?
$188.67M as of the latest filing.
How much are Minnstar Bank National Association's total deposits?
$164.51M in total deposits.
Where is Minnstar Bank National Association located?
Lake Crystal, MN.
What is the Net Interest Margin?
3.70%.
How many domestic offices does it operate?
2.
When was it established?
01/29/1934.
What is the Return on Assets (ROA)?
0.93%.
How much are total loans and leases?
$147.42M (latest filing).
What is the total interest income (latest filing)?
$2.66M.