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Minnstar Bank National Association

$100M-$1B Specialty: Commercial MN FDIC cert 13809

Lake Crystal, MN

2 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +8.5% year over year ($180.3M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 1.07%.
  • Efficiency ratio 61.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.22% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Minnstar Bank National Association has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 2.72% below tier average
  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 49.5% in tier
  • - ROA 0.25% below tier average
  • - Net Interest Margin 0.17% below tier average
Get updates when Minnstar Bank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $204.0M
+5.5% YoY +3.3% QoQ
-$182.6M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $169.8M
+9.5% YoY +1.2% QoQ
-$88.5M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $180.3M
+8.5% YoY +4.3% QoQ
-$146.5M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 1.07%
+19.3% YoY +7.1% QoQ
-0.25% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 3.82%
+9.4% YoY +1.2% QoQ
-0.17% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 61.76%
-5.5% YoY -2.4% QoQ
-2.72% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.37%
-56.3% YoY -1.1% QoQ
-0.55% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 94.22%
+0.9% YoY -3.1% QoQ
+16.27% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 18.83%
-11.4% YoY -5.6% QoQ
-3.20% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.31%
-54.6% YoY -3.2% QoQ
-0.36% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 13.42%
-9.1% YoY -6.1% QoQ
-2.49% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.14%
-14.6% YoY +89.5% QoQ
-0.43% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 18.8%
-2.4pp YoY
-1.1pp QoQ
 -3.3pp 22.1% 21.9% 22.2% 39%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 8.0%
-2.0pp YoY
+0.3pp QoQ
 -3.5pp 11.6% 14.6% 12.5% 40%
CRE 53.4%
+0.3pp YoY
-0.6pp QoQ
 +13.9pp 39.5% 36.5% 41.4% 75%
1-4 Family 25.3%
+0.2pp YoY
-0.5pp QoQ
 -7.4pp 32.6% 29.4% 31.3% 41%
Consumer 0.5%
-0.1pp YoY
-0.1pp QoQ
 -3.6pp 4.1% 4.5% 5.0% 15%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 13.4%
-1.3pp YoY
-0.9pp QoQ
 -5.4pp 18.8% 16.5% 19.7% 33%
Leverage Ratio 10.4%
-0.5pp YoY
-0.9pp QoQ
 -1.8pp 12.2% 11.0% 12.6% 39%
Total Capital Ratio 14.7%
-1.3pp YoY
-0.9pp QoQ
 -5.3pp 19.9% 17.6% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 25
-1 (-3.8%) YoY
0 QoQ
 -34 58 55 482 19%
Assets per Employee ($) $8.2M
+9.8% YoY
+3.3% QoQ
 +$642K $7.5M $8.6M $8.8M 70%
Branch Count 2
0 YoY
0 QoQ
 -3 4 4 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.4%
0.0pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 44%
Allowance Coverage 3.74x
+94.1% YoY
0.0% QoQ
 -20.41x 24.15x 20.41x 20.23x 63%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 23%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 9.9%
+1.5pp YoY
+0.9pp QoQ
 -2.3pp 12.2% 13.1% 11.6% 36%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.7% 1.7% 80%
Net Income ($, YTD) $1.1M
+19.7% YoY
— QoQ
 -$1.5M $2.6M $4.5M $40.4M 28%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#343 of 691 • Bottom 49.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.22%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2178
Loan-to-Deposit Ratio
liquidity
Value: 94.22%
Peer Median: 77.95%
#2178 of 2643 Bottom 17.6% in $100M-$1B
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