Minnstar Bank National Association
Lake Crystal, MN
IDRSSD: 89854
Total Assets
$191.41M
Latest filing
Total Deposits
$167.62M
Latest filing
Net Interest Margin
3.56%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Minnstar Bank National Association
202 N Main St
Lake Crystal, MN 56055
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/29/1934FDIC Certificate 8632
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Minnstar Bank National Association (Main) | 202 N Main St | Lake Crystal, MN |
| MANKATO DETACHED FACILITY | 201 Poplar St | Mankato, MN |
Showing 1 of 1
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 | 01/29/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56055 |
| State and County Number | 27013 |
| Subchapter S Corporations | No |
| 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 | Mankato, MN |
Operational Info
| Number of Employees | 25 |
| Domestic Offices | 2 |
| 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 | 01/29/1934 |
| Primary Insurance Agency | DIF |
| Website | www.minnstarbank.com |
| Data Updated | 01/30/2026 |
| CERT | 13809 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $191.41M |
| Total Deposits | $167.62M |
| Total Liabilities | $170.17M |
| Total Equity Capital | $21.24M |
| Net Income | $237.00k |
| Net Loans and Leases | $154.22M |
| Assets Per Employee ($Millions) | $7.66M |
| Bank Premises and Fixed Assets | $3.26M |
| Cash and Balances due from Depository Institutions | $15.59M |
| Deposits Held in Domestic Offices | $167.62M |
Key Performance Ratios
| Return on Assets (ROA) | 0.5% |
| Return on Equity (ROE) | 4.46% |
| Net Interest Margin | 3.56% |
| Efficiency Ratio | 67.94% |
| Tier 1 Risk-Based Capital Ratio | 14.765% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.45% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.096% |
| Earning Assets to total Assets | 93.2% |
Income and Expense
| Total Interest Income | $2.57M |
| Total Noninterest Income | $149.00k |
| Total Interest Expense | $989.00k |
| Total Noninterest Expense | $1.18M |
| Net Interest Income | $1.58M |
| Pre-tax Net Operating Income | $341.00k |
| Provision for Credit Losses | $214.00k |
| 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 | $2.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.41M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $549.00k |
| Total Liabilities and Capital | $191.41M |
Securities
| Securities | $9.51M |
| Available-for-sale debt securities | $9.44M |
| 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 Minnstar Bank National Association?
$191.41M as of the latest filing.
How much are Minnstar Bank National Association's total deposits?
$167.62M in total deposits.
Where is Minnstar Bank National Association located?
Lake Crystal, MN.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
2.
When was it established?
01/29/1934.
What is the Return on Assets (ROA)?
0.5%.
How much are total loans and leases?
$154.22M (latest filing).
What is the total interest income (latest filing)?
$2.57M.