Minster Bank
Minster, OH
IDRSSD: 604024
Total Assets
$802.19M
Latest filing
Total Deposits
$706.87M
Latest filing
Net Interest Margin
3.68%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042310525MINSTER, OH
Key People
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Locations
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Main Office
Minster Bank
95 W 4th St
Minster, OH 45865
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/23/1914FDIC Certificate 485
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Minster Bank (Main) | 95 W 4th St | Minster, OH |
| NEW BREMEN BRANCH | 443 S Washington St | New Bremen, OH |
| ST. MARYS BANKING CENTER BRANCH | 301 W High St | St. Marys, OH |
| WAPAKONETA BANKING CENTER BRANCH | 607 Defiance St | Wapakoneta, OH |
| SIDNEY BANKING CENTER BRANCH | 117 W Russell Rd | Sidney, OH |
| TROY BANKING CENTER BRANCH | 1280 Experiment Farm Rd | Troy, OH |
| VANDALIA-BUTLER BRANCH | 8530 N Dixie Dr | Dayton, OH |
Showing 6 of 6
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/23/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45865 |
| State and County Number | 39011 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Wapakoneta, OH |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 7 |
| 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 | https://www.minsterbank.com |
| Data Updated | 01/30/2026 |
| CERT | 763 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $802.19M |
| Total Deposits | $706.87M |
| Total Liabilities | $735.68M |
| Total Equity Capital | $66.51M |
| Net Income | $3.17M |
| Net Loans and Leases | $436.66M |
| Assets Per Employee ($Millions) | $8.53M |
| Bank Premises and Fixed Assets | $6.53M |
| Cash and Balances due from Depository Institutions | $80.36M |
| Deposits Held in Domestic Offices | $706.87M |
Key Performance Ratios
| Return on Assets (ROA) | 1.58% |
| Return on Equity (ROE) | 19.02% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 53.18% |
| Tier 1 Risk-Based Capital Ratio | 15.788% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.292% |
| Earning Assets to total Assets | 95.65% |
Income and Expense
| Total Interest Income | $9.78M |
| Total Noninterest Income | $1.61M |
| Total Interest Expense | $2.71M |
| Total Noninterest Expense | $4.62M |
| Net Interest Income | $7.07M |
| Pre-tax Net Operating Income | $3.95M |
| Provision for Credit Losses | $119.00k |
| 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 | $835.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.57M |
| Federal Funds Purchased and Repurchased Agreement | $21.32M |
| All Other Liabilities | $6.65M |
| Total Liabilities and Capital | $802.19M |
Securities
| Securities | $254.79M |
| Available-for-sale debt securities | $254.73M |
| 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 Minster Bank?
$802.19M as of the latest filing.
How much are Minster Bank's total deposits?
$706.87M in total deposits.
Where is Minster Bank located?
Minster, OH.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
7.
When was it established?
01/23/1914.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$436.66M (latest filing).
What is the total interest income (latest filing)?
$9.78M.