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Minnesota National Bank

$100M-$1B Specialty: Commercial MN FDIC cert 5249

Sauk Centre, MN

3 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

Minnesota National Bank has 4 strengths but faces 1 concern

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

  • + ROA 0.27% above tier average
  • + Net Interest Margin 0.42% above tier average
  • + Efficiency Ratio 2.51% below tier average
  • + Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 44.9% in tier
Get updates when Minnesota National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $285.9M
-6.0% YoY -1.9% QoQ
-$100.1M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
43%
Total Loans ? $223.7M
-1.8% YoY +0.2% QoQ
-$32.0M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
54%
Total Deposits ? $250.5M
+2.8% YoY +2.8% QoQ
-$77.5M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
45%
Return on Assets ? 1.54%
+35.8% YoY +0.9% QoQ
+0.27% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
70%
Net Interest Margin ? 4.35%
+19.2% YoY +8.5% QoQ
+0.42% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
76%
Efficiency Ratio ? 62.77%
-7.2% YoY +1.2% QoQ
-2.51% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
51%
Delinquency Rate ? 0.42%
+472.7% YoY +375.8% QoQ
-0.47% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
50%
Loan-to-Deposit Ratio ? 89.31%
-4.5% YoY -2.6% QoQ
+12.67% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
26%
Non-Interest-Bearing Deposit Share ? 15.00%
+5.8% YoY +6.7% QoQ
-7.02% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
24%
Nonperforming Asset Ratio ? 0.33%
+113.8% YoY +385.8% QoQ
-0.31% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
48%
Tier 1 Capital Ratio ? 12.00%
+13.8% YoY +0.9% QoQ
-3.83% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.14%
+10.5% YoY -76.8% QoQ
-0.14% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
69%

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)

Credit Quality Pressure

risk
#588 of 1308 • Bottom 44.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.42%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

644
Net Interest Margin
profitability
Value: 4.35%
Peer Median: 3.93%
#644 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (1 metrics)

2017
Non-Interest-Bearing Deposit Share
funding
Value: 15.00%
Peer Median: 22.02%
#2017 of 2664 Bottom 24.3% in $100M-$1B
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