Sentry Bank
Saint Joseph, MN
IDRSSD: 746157
Total Assets
$368.68M
Latest filing
Total Deposits
$318.77M
Latest filing
Net Interest Margin
3.88%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Sentry Bank
400 4th Ave Ne
Saint Joseph, MN 56374
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/04/1904FDIC Certificate 5454
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Sentry Bank (Main) | 400 4th Ave Ne | Saint Joseph, MN |
| ST. STEPHEN STATE BANK BRANCH | 2 Central Ave S | Saint Stephen, MN |
| SAINT CLOUD BRANCH | 4350 8th St N | Saint Cloud, MN |
| SAINT CLOUD DOWNTOWN OFFICE | 120 4th Ave S | Saint Cloud, 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 | 11/04/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56374 |
| State and County Number | 27145 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| 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 | 41 |
| Domestic Offices | 4 |
| 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.mysentrybank.com |
| Data Updated | 11/14/2025 |
| CERT | 8546 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $368.68M |
| Total Deposits | $318.77M |
| Total Liabilities | $334.17M |
| Total Equity Capital | $34.50M |
| Net Income | $1.10M |
| Net Loans and Leases | $251.12M |
| Assets Per Employee ($Millions) | $8.19M |
| Bank Premises and Fixed Assets | $6.50M |
| Cash and Balances due from Depository Institutions | $36.19M |
| Deposits Held in Domestic Offices | $318.77M |
Key Performance Ratios
| Return on Assets (ROA) | 1.22% |
| Return on Equity (ROE) | 12.99% |
| Net Interest Margin | 3.88% |
| Efficiency Ratio | 54.78% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.359% |
| Earning Assets to total Assets | 94.45% |
Income and Expense
| Total Interest Income | $5.05M |
| Total Noninterest Income | $219.00k |
| Total Interest Expense | $1.77M |
| Total Noninterest Expense | $1.92M |
| Net Interest Income | $3.28M |
| Pre-tax Net Operating Income | $1.52M |
| Provision for Credit Losses | $60.00k |
| 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 | $14.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.41M |
| Total Liabilities and Capital | $368.68M |
Securities
| Securities | $61.94M |
| Available-for-sale debt securities | $61.94M |
| 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 Sentry Bank?
$368.68M as of the latest filing.
How much are Sentry Bank's total deposits?
$318.77M in total deposits.
Where is Sentry Bank located?
Saint Joseph, MN.
What is the Net Interest Margin?
3.88%.
How many domestic offices does it operate?
4.
When was it established?
11/04/1904.
What is the Return on Assets (ROA)?
1.22%.
How much are total loans and leases?
$251.12M (latest filing).
What is the total interest income (latest filing)?
$5.05M.