Minnesota Bank Performance: 1st Quarter

By: STAR TRIBUNE
Updated: May 29, 2012 - 9:54 AM

The performance of Minnesota banks varied greatly during the 1st quarter. Here are the biggest profit gains, and deepest losses for the quarter. The data does not include Wells Fargo Bank, U.S. Bank, TCF Bank or BMO Harris Bank because they are chartered elsewhere.

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Name	City	Assets (000's)	1Q 2012 Net Income (000's)	Return on Assets (%)	Tier 1 Risk-based Capital Ratio (%)	Net Loans & Leases (000's)	Noncurrent Loans to Loans (%)	Net Charge-offs to Loans (%)
1st Regents Bank	Andover	$56,189	-$267	-1.8	3.4	$38,965	9.9	-0.4
1st United Bank	Faribault	$131,766	$404	1.2	12.8	$73,848	4.0	0.0
21st Century Bank	Loretto	$364,581	$361	0.4	16.0	$275,280	0.8	0.9
Adrian State Bank	Adrian	$35,945	$70	0.8	14.8	$19,539	0.2	-0.1
Alliance Bank	Lake City	$595,955	$206	0.1	12.2	$449,697	6.2	0.1
Altura State Bank	Altura	$46,997	$247	2.1	21.5	$28,193	0.6	0.0
American Bank of St. Paul	Saint Paul	$413,134	-$1,305	-1.3	7.9	$210,345	5.8	5.0
American Bank of the North	Nashwauk	$627,161	$3,302	2.1	8.8	$453,103	14.3	0.3
American Heritage National Bank	Long Prairie	$205,446	$581	1.1	17.0	$141,186	1.3	0.0
American Investors Bank and Mortgage	Eden Prairie	$88,949	$216	1.0	14.8	$35,870	1.4	2.3
American National Bank of Minnesota	Baxter	$269,969	-$232	-0.3	13.8	$173,548	6.2	0.4
American State Bank of Erskine	Erskine	$24,305	$50	0.8	27.2	$10,295	0.0	-0.1
American State Bank of Grygla	Grygla	$26,703	$113	1.8	16.7	$14,494	0.5	0.0
Americana Community Bank	Sleepy Eye	$122,555	-$90	-0.3	4.7	$73,049	0.7	0.6
Ameriprise Bank, FSB	Minneapolis	$5,332,955	$8,528	0.7	13.4	$1,374,705	0.3	0.8
Anchor Bank, National Association	Saint Paul	$1,318,361	$2,723	0.8	11.8	$897,334	1.8	0.3
Annandale State Bank	Annandale	$123,629	$274	0.9	11.9	$65,996	4.8	0.0
Arlington State Bank	Arlington	$54,075	$162	1.2	17.8	$24,081	4.0	0.0
Atwater State Bank	Atwater	$43,136	$74	0.7	14.4	$28,336	1.0	0.0
Avon State Bank	Avon	$106,219	$316	1.2	25.6	$50,851	1.2	0.0
Bank of Maple Plain	Maple Plain	$67,484	$216	1.3	28.7	$31,229	0.2	0.0
Bank of Zumbrota	Zumbrota	$135,445	$591	1.7	14.0	$93,826	2.7	-0.2
BankCherokee	Saint Paul	$242,158	-$233	-0.4	9.4	$147,490	3.0	0.9
BankVista	Sartell	$112,634	$207	0.7	11.2	$93,918	1.5	0.3
BANKWEST	Rockford	$104,305	$127	0.5	10.9	$71,673	3.9	0.2
Beacon Bank	Shorewood	$302,871	$608	0.8	15.9	$172,229	2.3	1.4
Blaine State Bank	Blaine	$37,271	-$95	-1.0	9.7	$21,820	1.3	0.4
Bonanza Valley State Bank	Brooten	$49,371	$97	0.8	9.3	$38,957	3.2	0.0
Border State Bank	Greenbush	$342,039	$521	0.6	11.0	$227,333	4.6	-0.4
Boundary Waters Bank	Ely	$108,095	-$363	-1.3	4.0	$79,299	11.5	1.4
Brainerd Savings and Loan Association, A Federal Association	Brainerd	$65,472	$51	0.3	11.8	$48,529	2.9	0.0
Bremer Bank, National Association	Saint Cloud	$581,536	$2,482	1.7	11.7	$466,584	1.4	0.3
Bremer Bank, National Association	International Fa	$113,963	$247	0.9	14.7	$48,503	0.1	0.0
Bremer Bank, National Association	Willmar	$601,063	$2,154	1.4	10.3	$440,859	1.1	0.1
BREMER BANK, NATIONAL ASSOCIATION	Alexandria	$602,136	$2,036	1.3	13.1	$398,680	1.5	0.0
Bremer Bank, National Association	Brainerd	$329,710	$1,015	1.2	13.5	$234,547	1.9	0.4
Bremer Bank, National Association	South St. Paul	$2,657,398	$5,952	0.9	11.8	$1,615,438	1.2	0.4
Bridgewater Bank	Bloomington	$412,268	$1,094	1.1	10.3	$338,102	2.1	0.4
Cambridge State Bank	Cambridge	$72,802	-$89	-0.5	15.4	$51,394	7.5	0.3
Capital Bank	St. Paul	$36,991	$66	0.7	17.7	$11,499	4.4	0.5
Castle Rock Bank	Castle Rock	$154,063	$588	1.5	23.8	$67,688	2.5	0.0
CenBank	Buffalo Lake	$52,116	$74	0.6	14.2	$28,693	0.1	0.0
Center National Bank	Litchfield	$180,045	$664	1.4	16.7	$84,945	2.6	0.1
Central Bank	Stillwater	$1,091,422	$5,304	1.9	15.0	$712,536	1.0	0.6
Choice Financial Savings Bank	Comfrey	$15,297	$7	0.2	18.0	$6,693	4.9	-1.3
Citizens Alliance Bank	Clara City	$424,058	$687	0.6	11.6	$266,368	1.1	0.2
Citizens Bank & Trust Co.	Hutchinson	$190,762	$494	1.0	14.2	$117,478	1.5	0.7
Citizens Bank Minnesota	New Ulm	$315,234	$911	1.2	14.3	$180,957	0.6	0.0
Citizens Independent Bank	Saint Louis Park	$307,175	$224	0.3	11.1	$213,356	3.4	0.6
Citizens State Bank Norwood Young America	Norwood Young Am	$87,602	-$253	-1.2	9.5	$61,144	2.1	0.0
Citizens State Bank of Glenville	Glenville	$41,678	$113	1.1	24.9	$12,664	0.8	0.0
Citizens State Bank of Hayfield	Hayfield	$71,508	$130	0.7	10.3	$51,885	2.5	0.0
Citizens State Bank of Roseau	Roseau	$196,009	$880	1.8	20.1	$76,300	1.0	-0.1
Citizens State Bank of Shakopee	Shakopee	$22,533	-$49	-0.9	12.4	$13,939	1.8	-0.1
Citizens State Bank of Tyler, Incorporated	Tyler	$18,607	$2	0.0	14.9	$4,608	6.5	0.0
Citizens State Bank of Waverly, Inc.	Waverly	$61,050	$232	1.5	14.2	$38,777	1.5	0.0
Clinton State Bank	Clinton	$68,095	$509	3.0	18.8	$42,454	1.9	0.0
Commerce Bank	Geneva	$200,509	$246	0.5	16.4	$126,670	8.4	1.2
Commercial Bank of Minnesota	Heron Lake	$37,203	$16	0.2	13.8	$19,356	0.0	0.0
Community Bank Corporation	Chaska	$148,547	$364	1.0	13.3	$107,363	3.0	-0.7
Community Bank Mankato	Vernon Center	$192,256	$977	2.1	11.1	$142,910	1.0	0.1
Community Bank Owatonna	Owatonna	$52,681	$94	0.7	14.8	$30,538	2.6	0.4
Community Bank, Austin	Austin	$38,893	$26	0.3	10.5	$28,373	0.2	0.2
Community Development Bank, FSB	Ogema	$70,619	$100	0.6	15.2	$40,045	2.1	1.6
Community Pride Bank	Isanti	$86,236	$110	0.5	13.4	$58,864	2.2	1.6
Community Resource Bank	Northfield	$234,907	$50	0.1	10.8	$140,027	6.3	1.0
Concorde Bank	Blomkest	$52,466	$63	0.5	11.4	$29,953	1.9	0.5
Cornerstone State Bank	Montgomery	$118,826	$395	1.3	10.8	$80,244	3.2	0.0
Crookston National Bank	Crookston	$57,562	$101	0.7	16.4	$24,574	0.0	0.0
Crow River State Bank	Delano	$79,118	$283	1.4	20.8	$27,138	1.9	0.0
Crown Bank	Edina	$208,792	-$1,399	-2.5	8.8	$175,146	2.0	2.6
Currie State Bank	Currie	$46,408	$130	1.1	10.0	$40,602	1.4	0.6
Drake Bank	Saint Paul	$81,887	$65	0.3	13.0	$65,009	4.0	2.9
Eagle Bank	Glenwood	$110,662	$378	1.4	22.8	$71,884	1.2	0.0
Eagle Community Bank	Maple Grove	$20,918	-$338	-6.4	6.6	$12,831	4.7	0.0
Eastwood Bank	Kasson	$551,399	$1,984	1.4	11.5	$337,853	2.4	0.1
Eitzen State Bank	Caledonia	$80,394	$297	1.5	12.3	$47,098	0.2	0.0
Elysian Bank	Elysian	$43,035	$74	0.7	13.7	$18,017	10.4	0.6
Equity Bank	Minnetonka	$51,681	$37	0.3	12.2	$45,029	3.6	0.0
Exchange State Bank	Luverne	$135,724	$497	1.4	12.3	$82,784	0.1	0.0
F & M Bank Minnesota	Clarkfield	$93,999	$207	0.9	12.0	$52,082	0.1	0.2
F & M Community Bank, National Association	Preston	$93,848	$382	1.6	13.7	$63,475	1.8	0.4
Falcon National Bank	Foley	$127,647	$315	1.0	13.7	$91,837	0.8	0.5
Farmers & Merchants State Bank of New York Mills, Incorporated	New York Mills	$53,034	$122	0.9	19.3	$26,562	0.0	-0.4
Farmers and Merchants State Bank	Paynesville	$26,158	$86	1.3	27.0	$7,196	0.0	-0.1
Farmers and Merchants State Bank of Alpha	Alpha	$30,560	$32	0.4	16.4	$20,536	2.7	-0.2
Farmers and Merchants State Bank of Appleton	Appleton	$41,450	$155	1.5	20.2	$22,568	1.5	0.1
Farmers and Merchants State Bank of Blooming Prairie	Blooming Prairie	$75,790	$267	1.4	10.9	$57,870	0.7	0.0
Farmers and Merchants State Bank of Pierz	Pierz	$171,951	$1,091	2.5	14.0	$123,185	2.7	0.0
Farmers and Merchants State Bank of Sacred Heart	Sacred Heart	$25,482	-$2	0.0	20.0	$10,276	1.4	0.0
Farmers and Merchants State Bank of Springfield	Springfield	$111,000	$201	0.7	10.9	$70,539	0.0	-0.1
Farmers State Bank of Adams, Minnesota	Adams	$79,132	$495	2.4	13.5	$58,913	0.0	0.0
Farmers State Bank of Darwin	Darwin	$33,261	$96	1.1	12.4	$12,071	2.5	0.0
Farmers State Bank of Dent	Dent	$30,271	$23	0.3	12.2	$19,523	5.4	0.0
Farmers State Bank of Elkton	Elkton	$46,527	$49	0.4	14.2	$22,568	0.4	0.2
Farmers State Bank of Hamel	Hamel	$89,103	$248	1.1	25.8	$30,056	0.0	0.0
Farmers State Bank of Hartland	Hartland	$93,794	$242	1.0	10.8	$69,376	1.2	0.1
Farmers State Bank of Hoffman	Hoffman	$27,259	$111	1.6	19.8	$12,310	0.1	0.1
Farmers State Bank of Madelia, Incorporated	Madelia	$60,699	$169	1.1	17.6	$32,412	0.7	0.1
Farmers State Bank of Trimont	Trimont	$56,879	$161	1.1	20.7	$28,079	0.3	-0.4
Farmers State Bank of Underwood	Underwood	$45,711	$223	2.0	13.1	$33,071	0.3	0.0
Farmers State Bank of Watkins	Watkins	$37,572	$173	1.8	20.8	$18,665	2.1	0.1
Farmers State Bank of West Concord	West Concord	$45,860	$68	0.6	16.5	$23,295	1.0	0.0
Fidelity Bank	Edina	$365,627	$1,986	2.0	17.9	$280,599	0.7	0.1
Financial Security Bank	Kerkhoven	$50,050	$225	1.8	16.8	$40,371	1.4	0.0
First Advantage Bank	Coon Rapids	$64,527	$20	0.1	15.2	$32,310	9.2	0.0
First Bank & Trust, National Association	Pipestone	$170,933	$494	1.1	11.5	$109,011	0.1	0.0
First Bank Blue Earth	Blue Earth	$162,693	$789	1.9	15.8	$110,874	0.7	0.3
First Commercial Bank	Bloomington	$222,036	-$763	-1.4	3.5	$173,837	12.2	0.5
First Community Bank Lester Prairie	Lester Prairie	$28,112	$164	2.3	13.2	$14,765	1.4	1.0
First Community Bank Silver Lake	Silver Lake	$24,339	$227	3.7	17.2	$9,464	0.0	0.0
First Farmers & Merchants National Bank	Le Sueur	$107,198	$438	1.6	12.9	$69,647	5.9	0.0
First Farmers & Merchants National Bank	Fairmont	$86,681	$431	2.0	13.9	$73,411	2.2	0.0
First Farmers & Merchants State Bank	Brownsdale	$81,858	$262	1.3	17.6	$43,564	1.3	0.3
First Farmers & Merchants State Bank of Grand Meadow	Grand Meadow	$40,929	$112	1.1	16.4	$24,898	0.8	-1.2
First Farmers and Merchants National Bank	Luverne	$151,566	$849	2.2	15.3	$106,079	0.4	0.0
First Financial Bank	Twin Valley	$15,527	$9	0.2	33.0	$4,376	3.3	-0.3
First Financial Bank in Winnebago	Winnebago	$42,099	$199	1.9	18.7	$28,914	1.2	0.1
First Independent Bank	Russell	$210,295	$468	0.9	11.5	$130,775	0.6	0.1
First Minnesota Bank	Minnetonka	$385,720	$327	0.3	23.7	$90,580	1.5	0.9
First Minnetonka City Bank	Minnetonka	$194,586	$358	0.7	13.7	$107,875	2.4	0.2
First National Bank	Chisholm	$84,742	$539	2.6	18.2	$18,212	4.4	-0.1
First National Bank	Hawley	$88,300	$269	1.2	14.0	$50,860	2.3	0.0
First National Bank	Slayton	$199,960	$223	0.5	12.4	$105,628	1.5	0.0
First National Bank in Mahnomen	Mahnomen	$71,386	$140	0.8	15.8	$37,277	1.0	0.2
First National Bank Minnesota	St. Peter	$194,198	$93	0.2	15.9	$107,575	4.5	-0.6
First National Bank of Menahga & Sebeka	Menahga	$80,888	$324	1.6	22.3	$43,679	2.9	0.3
First National Bank of the Lakes	Navarre	$62,838	$4	0.0	18.9	$24,941	6.1	0.6
First Resource Bank	Savage	$105,545	$245	1.6	21.6	$45,572	14.3	0.0
First Security Bank	Byron	$51,200	$117	0.9	11.5	$34,634	2.2	0.0
First Security Bank - Canby.	Canby	$61,855	$316	2.1	14.9	$27,201	1.3	0.0
First Security Bank - Sleepy Eye	Sleepy Eye	$190,120	$1,164	2.5	14.3	$109,162	1.1	0.1
First Security Bank-Hendricks	Hendricks	$18,993	$125	2.6	20.0	$8,259	0.0	0.0
First Southeast Bank	Harmony	$82,796	$347	1.6	10.4	$65,057	0.4	0.1
First State Bank and Trust	Bayport	$206,511	$307	0.6	13.3	$120,587	1.5	0.3
First State Bank Minnesota	Le Roy	$64,564	$112	0.7	13.8	$30,853	0.0	0.3
First State Bank of Ashby	Ashby	$30,899	$45	0.6	16.0	$14,613	1.7	0.0
First State Bank of Bigfork	Bigfork	$63,937	$80	0.5	17.4	$43,049	6.6	-0.1
First State Bank of Clearbrook	Clearbrook	$35,399	$100	1.1	16.3	$17,168	0.0	0.0
First State Bank of Fertile	Fertile	$37,998	$40	0.4	27.1	$13,548	0.1	-0.1
First State Bank of Fountain	Fountain	$33,840	$18	0.2	19.3	$18,383	0.8	0.0
First State Bank of Grove City	Grove City	$22,630	$81	1.5	31.7	$13,358	4.0	0.0
First State Bank of Kensington	Kensington	$51,709	$62	0.5	14.0	$35,003	1.0	0.1
First State Bank of Kiester	Kiester	$18,746	$2	0.0	11.4	$9,994	2.8	0.0
First State Bank of Le Center	Le Center	$67,110	$379	2.2	15.1	$43,799	0.4	0.3
First State Bank of Murdock	Murdock	$9,750	-$7	-0.3	15.8	$4,183	0.8	0.0
First State Bank of Okabena (Incorporated)	Okabena	$19,247	$18	0.4	33.2	$7,035	0.0	-0.1
First State Bank of Sauk Centre	Sauk Centre	$103,974	$241	0.9	23.7	$44,902	2.8	0.0
First State Bank of Swanville	Swanville	$27,668	$17	0.3	14.7	$18,732	5.6	2.1
First State Bank of Wabasha	Wabasha	$112,608	$315	1.1	19.5	$38,750	4.3	2.7
First State Bank of Wyoming	Wyoming	$143,678	$304	0.8	26.4	$60,710	4.4	0.3
First State Bank Southwest	Pipestone	$204,350	$694	1.4	15.1	$105,340	0.3	0.1
Flagship Bank Minnesota	Wayzata	$105,517	-$153	-0.6	5.2	$70,544	7.1	0.1
Flagship Bank Winsted	Winsted	$39,367	-$127	-1.3	12.8	$20,080	4.2	0.0
Frandsen Bank & Trust	Lonsdale	$1,443,136	$4,291	1.2	11.7	$781,811	2.5	0.3
Franklin National Bank of Minneapolis	Minneapolis	$145,478	$476	1.3	18.1	$103,196	0.4	0.1
Franklin State Bank	Franklin	$27,105	$58	0.9	19.4	$16,131	0.2	0.0
Freeport State Bank	Freeport	$87,651	$264	1.2	11.1	$70,304	1.1	0.0
Frost State Bank	Frost	$32,357	$139	1.7	11.9	$28,455	1.1	0.0
Gateway Bank	Mendota Heights	$98,926	$410	1.7	12.6	$75,627	1.0	0.0
Glenwood State Bank (Incorporated)	Glenwood	$183,974	$536	1.2	10.9	$165,873	1.6	0.0
Grand Marais State Bank	Grand Marais	$70,380	$365	2.0	14.4	$44,132	0.0	0.3
Grand Rapids State Bank	Grand Rapids	$234,159	$423	0.7	14.7	$114,185	0.5	0.1
Grand Timber Bank	Mcgregor	$42,597	$188	1.8	15.6	$30,158	4.9	2.2
Granite Falls Bank	Granite Falls	$197,607	$781	1.6	16.8	$48,853	0.6	0.3
Great Northern Bank	Saint Michael	$66,348	-$39	-0.2	8.8	$40,030	3.1	3.0
Heritage Bank National Association	Spicer	$448,019	$986	0.9	15.1	$237,935	1.4	0.6
Highland Bank	Saint Michael	$474,340	$1,513	1.3	12.2	$223,620	1.1	1.0
Home Federal Savings Bank	Rochester	$705,992	$3,026	1.6	11.3	$540,647	5.9	1.6
Home State Bank	Litchfield	$128,847	$327	1.0	16.1	$71,715	0.3	0.0
HomeTown Bank	Redwood Falls	$199,369	$650	1.3	13.8	$129,186	0.4	0.0
Hometown Community Bank	Cyrus	$25,700	$15	0.2	12.8	$14,040	2.5	0.6
Integrity Bank Plus	Wabasso	$53,157	$216	1.6	11.9	$39,841	0.5	0.0
Inter Savings Bank, fsb D/B/A Interbank, fsb	Maple Grove	$463,840	-$2,893	-2.4	1.3	$381,322	7.6	2.0
Jackson Federal Savings and Loan Association	Jackson	$37,772	$94	1.0	36.1	$15,596	0.1	0.0
Janesville State Bank	Janesville	$54,959	$197	1.4	15.3	$35,222	0.0	0.0
Kanabec State Bank	Mora	$136,889	$226	0.7	25.5	$52,403	3.9	0.2
Kasson State Bank	Kasson	$60,136	$88	0.6	11.5	$36,268	0.5	0.5
Kent State Bank	Kent	$7,661	$5	0.3	17.1	$3,143	0.0	0.0
Key Community Bank	Inver Grove Heig	$54,021	-$434	-3.0	10.9	$33,501	11.3	6.1
KleinBank	Big Lake	$1,504,555	$2,734	0.7	14.5	$705,336	2.6	0.5
Lake Area Bank	Lindstrom	$270,059	$245	0.4	12.3	$171,754	5.4	1.2
Lake City Federal Bank	Lake City	$75,965	$0	0.0	13.6	$57,801	7.6	0.1
Lake Community Bank	Long Lake	$129,493	$145	0.4	13.3	$76,886	4.6	0.8
Lake Country Community Bank	Morristown	$29,044	$23	0.3	7.6	$17,380	2.2	0.3
Lake Elmo Bank	Lake Elmo	$288,109	$347	0.5	13.6	$155,543	2.6	0.4
Lake Region Bank	New London	$101,319	$290	1.1	12.0	$53,137	2.3	0.2
Lakes State Bank	Pequot Lakes	$102,717	$280	1.1	15.8	$69,015	1.8	0.5
Lakeview Bank	Lakeville	$50,751	$65	0.5	11.4	$35,096	5.5	0.0
Landmark Community Bank, National Association	Isanti	$97,585	-$115	-0.5	10.0	$64,196	4.2	0.8
Liberty Savings Bank fsb	Saint Cloud	$172,663	$316	0.8	16.6	$103,789	0.0	0.3
Lowry State Bank	Lowry	$37,848	$160	1.7	10.2	$31,562	2.8	0.9
Maple Bank	Champlin	$58,625	-$62	-0.4	13.2	$38,512	5.1	0.0
Marshall County State Bank	Newfolden	$27,590	$47	0.7	52.6	$8,970	0.7	0.0
Merchants Bank, National Association	Winona	$1,306,635	$3,921	1.2	12.5	$794,840	1.7	0.2
Mid-Central Federal Savings Bank	Wadena	$98,321	$183	0.7	13.7	$77,574	0.6	0.7
Midwest Bank	Detroit Lakes	$311,724	$1,566	2.0	10.6	$250,644	0.3	0.0
Mills Resolute Bank	Sanborn	$22,648	$18	0.3	9.4	$16,461	0.3	0.9
Minnesota Bank & Trust	Edina	$95,462	-$129	-0.6	15.8	$73,816	0.0	0.0
Minnesota First Credit and Savings, Incorporated	Rochester	$29,342	$53	0.7	16.8	$26,749	2.1	0.6
Minnesota National Bank	Sauk Centre	$197,686	$442	0.9	14.0	$103,677	1.2	0.0
Minnstar Bank National Association	Lake Crystal	$112,016	$99	0.3	13.0	$64,615	2.9	-0.1
Minnwest Bank Central	Montevideo	$293,009	$708	0.9	11.6	$240,267	0.7	0.0
Minnwest Bank Luverne	Luverne	$168,117	$291	0.7	12.4	$109,776	1.5	0.0
Minnwest Bank Metro	Eagan	$227,230	-$331	-0.6	11.7	$153,709	6.0	0.4
Minnwest Bank South	Tracy	$226,597	$58	0.1	13.1	$126,978	2.8	0.0
Minnwest Bank, M.V.	Redwood Falls	$506,193	$1,481	1.2	12.3	$384,281	1.0	0.0
Neighborhood National Bank	Alexandria	$48,227	$129	1.1	14.8	$26,579	7.1	-0.5
New Market Bank	Elko New Market	$84,750	$29	0.1	15.5	$46,909	4.5	0.1
North American Banking Company	Roseville	$253,050	$377	0.6	12.5	$175,373	1.5	0.1
North American State Bank	Belgrade	$104,290	-$146	-0.6	15.5	$50,953	5.8	0.1
North Shore Bank of Commerce	Duluth	$232,923	$590	1.0	10.3	$167,336	1.1	0.1
North Star Bank	Roseville	$254,040	$242	0.4	12.1	$114,319	6.0	-0.6
Northeast Bank	Minneapolis	$341,780	$271	0.3	13.4	$253,746	2.3	0.6
Northern Star Bank	Mankato	$28,286	-$67	-0.9	5.4	$20,038	0.0	-0.3
Northern State Bank of Thief River Falls	Thief River Fall	$265,310	$527	0.8	28.9	$101,002	1.7	-0.1
Northern State Bank of Virginia	Virginia	$60,726	$37	0.2	10.8	$41,302	1.9	0.0
Northview Bank	Sandstone	$224,855	$517	0.9	11.1	$163,516	2.3	0.3
Northwestern Bank, National Association	Dilworth	$137,941	$181	0.5	13.0	$80,426	3.2	0.1
Northwoods Bank of Minnesota	Park Rapids	$107,866	$217	0.8	13.7	$56,811	7.3	0.1
Odin State Bank	Odin	$37,324	$134	1.4	18.5	$22,081	2.2	-0.1
Olmsted National Bank	Rochester	$51,582	-$91	-0.7	11.5	$35,082	0.3	0.0
Ormsby State Bank	Ormsby	$27,107	$114	1.7	19.6	$9,605	0.0	0.0
Paragon Bank	Wells	$30,123	$72	0.9	12.8	$21,276	2.7	0.1
Park Midway Bank, National Association	Saint Paul	$260,654	$843	1.3	14.3	$207,012	4.1	0.0
Park State Bank	Duluth	$30,874	$9	0.1	8.6	$18,389	0.4	0.1
Peoples Bank of Commerce	Cambridge	$295,151	$1,093	1.5	16.4	$182,636	5.6	-0.1
Peoples National Bank of Mora	Mora	$155,941	$230	0.6	18.1	$79,518	4.8	0.3
Peoples State Bank of Madison Lake	Madison Lake	$22,551	$6	0.1	12.4	$12,402	6.3	5.2
Peoples State Bank of Plainview	Plainview	$181,043	$507	1.1	13.2	$105,254	1.6	0.1
Peoples State Bank of Wells	Wells	$27,714	$109	1.6	14.9	$18,597	0.1	0.0
Pine Country Bank	Little Falls	$165,413	$270	0.7	10.3	$90,031	3.8	0.7
Pine Island Bank	Pine Island	$69,318	$192	1.1	12.6	$36,259	2.6	0.0
Pine River State Bank	Pine River	$90,448	$165	0.7	15.3	$50,036	0.1	0.0
Pioneer Bank	Mapleton	$267,312	$65	0.1	13.5	$195,535	1.1	0.0
Platinum Bank	Oakdale	$140,198	$367	1.1	14.9	$87,812	1.9	0.1
Plaza Park State Bank	Waite Park	$164,837	$652	1.6	11.3	$131,770	4.6	0.0
Prairie Sun Bank	Milan	$30,316	$101	1.4	9.8	$17,831	0.5	0.0
Premier Bank	Maplewood	$541,782	$699	0.5	8.5	$378,955	6.0	0.4
Premier Bank Minnesota	Farmington	$174,803	$2	0.0	10.2	$107,650	3.2	0.1
Premier Bank Rochester	Rochester	$145,865	$270	0.7	10.3	$96,504	2.8	0.0
Prime Security Bank	Karlstad	$63,666	-$72	-0.4	8.7	$44,175	4.6	0.3
PrinsBank	Prinsburg	$109,756	$747	2.7	10.7	$78,304	2.7	0.9
Prior Lake State Bank	Prior Lake	$191,429	$718	1.5	20.0	$103,428	2.0	-0.2
Private Bank Minnesota	Minneapolis	$150,318	$44	0.1	11.3	$123,603	2.2	2.2
Produce State Bank	Hollandale	$39,928	$132	1.3	19.2	$22,223	5.0	-0.3
Profinium Financial, Inc.	Truman	$306,723	$516	0.7	12.8	$188,530	1.6	0.4
ProGrowth Bank	Nicollet	$132,731	-$1	0.0	12.6	$70,105	3.3	1.9
Provincial Bank	Lakeville	$74,971	$259	1.4	13.4	$54,393	1.5	0.0
Randall State Bank	Randall	$34,919	$153	1.8	23.2	$19,244	4.5	0.1
Red River State Bank	Halstad	$49,102	$275	2.1	12.6	$38,461	0.6	0.0
Reliance Bank	Faribault	$61,255	$225	1.5	15.4	$42,949	3.3	0.0
Republic Bank, Inc.	Duluth	$296,141	$872	1.1	11.2	$257,815	2.2	0.0
Riverland Bank	Jordan	$27,446	-$165	-2.4	9.7	$17,557	3.9	3.3
RiverWood Bank	Baxter	$158,421	-$43	-0.1	11.2	$107,744	6.8	0.7
RiverWood Bank	Bemidji	$158,856	$128	0.3	12.6	$102,571	6.3	0.2
Root River State Bank	Chatfield	$60,003	$64	0.4	19.2	$35,912	1.0	0.0
Roundbank	Waseca	$287,682	$1,347	1.9	13.5	$199,151	4.7	0.1
Rushford State Bank (Incorporated)	Rushford	$47,535	$107	0.9	10.7	$33,630	1.9	0.1
Security Bank & Trust Company	Glencoe	$245,696	$896	1.5	12.6	$130,411	1.1	-0.1
Security Bank Minnesota	Albert Lea	$97,226	$322	1.3	14.3	$56,871	1.0	0.0
Security Bank USA	Bemidji	$111,728	$475	1.7	11.6	$81,804	1.5	0.1
Security Bank Waconia	Waconia	$167,541	$534	1.3	13.9	$92,567	0.2	0.1
Security State Bank of Aitkin	Aitkin	$85,513	-$132	-0.6	13.3	$58,999	0.8	0.2
Security State Bank of Fergus Falls	Fergus Falls	$143,531	$340	0.9	12.6	$93,351	0.9	0.6
Security State Bank of Hibbing	Hibbing	$102,567	$167	0.7	16.0	$46,120	4.4	0.0
Security State Bank of Kenyon	Kenyon	$52,103	$132	1.0	11.6	$38,572	5.5	0.5
Security State Bank of Lewiston	Lewiston	$64,866	-$98	-0.6	12.9	$34,581	1.6	0.0
Security State Bank of Marine	Marine On St. Cr	$110,172	$155	0.6	16.7	$72,408	0.6	1.3
Security State Bank of Oklee	Oklee	$31,955	$17	0.2	54.6	$6,781	0.0	0.0
Security State Bank of Wanamingo	Wanamingo	$71,399	$269	1.5	12.1	$48,240	0.0	1.1
Security State Bank of Warroad	Warroad	$87,692	-$591	-2.8	27.4	$43,024	2.1	2.2
Sentry Bank	Saint Joseph	$156,292	$654	1.7	13.1	$85,559	0.9	0.0
Sherburne State Bank	Becker	$74,898	$303	1.7	14.2	$42,289	5.2	0.0
Signature Bank	Minnetonka	$189,106	$557	1.2	12.4	$155,791	2.0	0.0
St James Federal Savings and Loan Association	Saint James	$26,510	$35	0.5	14.7	$17,594	0.7	0.0
St. Clair State Bank (Incorporated)	Saint Clair	$73,125	$294	1.6	16.7	$48,376	0.2	-0.1
St. Martin National Bank	Saint Martin	$19,101	$63	1.3	24.7	$9,477	0.0	0.0
Star Bank	Bertha	$148,823	$510	1.4	14.1	$107,978	0.9	0.1
State Bank in Eden Valley	Eden Valley	$27,770	$202	2.9	13.8	$16,156	2.5	-1.6
State Bank of Belle Plaine	Belle Plaine	$97,334	$239	1.0	21.7	$37,629	4.6	-0.1
State Bank of Bellingham	Bellingham	$35,074	$141	1.6	11.8	$30,163	0.0	0.0
State Bank of Bricelyn	Bricelyn	$29,442	$105	1.5	15.4	$21,612	0.1	0.0
State Bank of Ceylon	Ceylon	$11,562	$13	0.5	21.5	$5,492	1.5	0.0
State Bank of Chandler	Chandler	$39,231	$119	1.1	17.2	$22,280	0.0	0.0
State Bank of Clarks Grove	Albert Lea	$22,426	$29	0.6	24.4	$6,673	0.1	-0.1
State Bank of Cokato	Cokato	$55,717	-$365	-2.7	6.3	$29,320	7.6	0.3
State Bank of Cold Spring	Cold Spring	$50,228	$99	0.8	13.8	$30,967	1.2	-0.1
State Bank of Danvers	Danvers	$41,994	$84	0.8	20.4	$18,815	0.2	0.0
State Bank of Delano	Delano	$80,461	$51	0.3	7.5	$41,854	9.9	0.6
State Bank of Easton	Easton	$20,533	$31	0.6	15.9	$12,282	6.3	0.0
State Bank of Fairmont	Fairmont	$94,568	$413	1.8	14.6	$62,706	2.4	0.5
State Bank of Gibbon	Gibbon	$24,089	$82	1.3	13.3	$15,541	0.1	0.0
State Bank of Hamburg	Hamburg	$20,308	$17	0.3	13.3	$11,052	0.0	0.6
State Bank of Hawley	Hawley	$91,991	$227	1.0	13.8	$50,287	0.9	0.0
State Bank of Jeffers	Jeffers	$23,759	$38	0.7	20.6	$12,390	0.0	-0.1
State Bank of Kimball	Kimball	$77,358	$328	1.7	14.1	$48,606	1.2	0.0
State Bank of Lake Park	Lake Park	$35,113	$139	1.6	12.9	$18,133	2.1	0.0
State Bank of Lismore	Lismore	$40,534	$117	1.1	12.9	$29,606	0.0	0.0
State Bank of Marietta	Marietta	$12,264	$55	1.8	13.3	$4,379	0.0	0.0
State Bank of New Prague	New Prague	$122,571	$509	1.7	19.3	$43,374	4.2	0.6
State Bank of New Richland	New Richland	$93,121	$645	2.8	11.7	$68,808	0.9	0.1
State Bank of Park Rapids	Park Rapids	$85,334	$614	2.9	16.7	$42,841	1.6	-0.1
State Bank of Richmond	Richmond	$87,561	$189	0.9	24.9	$33,729	0.4	-0.1
State Bank of Taunton	Taunton	$67,875	$139	0.8	10.5	$46,646	0.3	0.1
State Bank of Wheaton	Wheaton	$67,413	$190	1.1	29.6	$42,633	0.5	0.4
Stearns Bank Holdingford National Association	Holdingford	$111,206	$493	2.0	16.3	$62,973	0.9	0.8
Stearns Bank National Association	Saint Cloud	$1,290,722	$13,924	4.5	27.9	$954,059	1.8	0.0
Stearns Bank Upsala National Association	Upsala	$89,977	$270	1.3	18.1	$38,452	1.0	1.0
Sterling State Bank	Austin	$295,125	$270	0.4	12.6	$168,847	1.8	-0.2
Stonebridge Bank	Minneapolis	$85,406	$65	0.3	9.6	$68,777	0.6	0.0
Summit Community Bank	Maplewood	$59,969	$370	2.4	21.8	$42,532	1.5	2.2
The Bank of Elk River	Elk River	$378,127	$241	0.3	6.8	$254,282	6.9	1.9
The Buffalo Ridge Bank	Beardsley	$42,152	$235	2.2	11.0	$25,423	0.1	-0.2
The Business Bank	Minnetonka	$151,560	$609	1.4	13.4	$125,130	1.4	0.0
The Citizens National Bank of Park Rapids	Park Rapids	$203,420	$867	1.7	14.1	$133,557	1.5	-0.1
The Citizens State Bank of Olivia	Olivia	$27,453	-$18	-0.3	12.5	$12,550	4.3	0.0
The First National Bank at St. James	Saint James	$28,621	$29	0.4	14.2	$16,168	1.9	0.0
The First National Bank in Wadena	Wadena	$55,190	$88	0.6	15.8	$29,880	4.4	-0.2
The First National Bank of Bagley	Bagley	$77,215	$95	0.5	12.6	$39,480	1.1	0.0
The First National Bank of Battle Lake	Battle Lake	$66,193	$278	1.7	18.7	$28,148	0.0	0.4
The First National Bank of Bemidji	Bemidji	$558,168	$2,474	1.8	22.9	$263,512	0.8	0.0
The First National Bank of Buhl	Buhl	$24,059	-$48	-0.8	10.7	$17,466	1.6	0.0
The First National Bank of Cokato	Cokato	$37,363	$28	0.3	16.9	$16,715	0.3	0.0
The First National Bank of Cold Spring	Cold Spring	$74,449	$187	1.0	15.7	$52,979	0.8	0.1
The First National Bank of Coleraine	Coleraine	$76,073	$124	0.7	17.2	$24,758	0.0	0.0
The First National Bank of Deerwood	Deerwood	$222,039	$595	1.1	13.7	$152,508	3.9	0.0
The First National Bank of Elk River	Maple Lake	$304,136	$287	0.4	14.1	$162,623	7.8	0.0
The First National Bank of Fairfax	Fairfax	$26,870	$178	2.5	39.2	$20,918	0.0	-0.1
The First National Bank of Gilbert	Gilbert	$28,429	$20	0.3	28.1	$11,220	5.6	-0.1
The First National Bank of Henning	Ottertail	$95,996	$411	1.7	14.4	$61,901	0.6	0.3
The First National Bank of Herman	Herman	$25,095	$32	0.5	23.7	$6,591	0.0	0.0
The First National Bank of Le Center	Le Center	$73,733	$260	1.4	19.1	$45,562	2.1	0.0
The First National Bank of McIntosh	Mcintosh	$26,207	$32	0.5	67.2	$8,462	1.6	1.1
The First National Bank of Milaca	Milaca	$169,914	$465	1.1	18.8	$102,896	3.9	0.6
The First National Bank of Moose Lake	Moose Lake	$68,337	$255	1.5	15.9	$52,129	3.3	0.4
The First National Bank of Northfield	Northfield	$131,079	$130	0.4	14.8	$75,669	2.6	-0.1
The First National Bank of Osakis	Osakis	$63,739	$206	1.3	21.7	$32,580	1.9	0.9
The First National Bank of Plainview	Plainview	$141,572	$350	1.0	11.6	$120,637	2.2	0.0
The First National Bank of Proctor	Proctor	$25,000	-$2	0.0	19.5	$12,885	5.0	0.0
The First National Bank of Starbuck	Starbuck	$22,633	-$48	-0.9	30.7	$7,939	2.5	0.0
The First National Bank of Walker	Walker	$295,979	$1,364	1.9	18.5	$177,242	1.1	0.3
The First National Bank of Waseca	Waseca	$109,164	$746	2.7	9.5	$83,573	0.8	-0.1
The First State Bank of Red Wing	Red Wing	$69,949	$71	0.4	20.2	$20,478	6.9	-0.1
The First State Bank of Rosemount	Rosemount	$62,553	-$14	-0.1	17.5	$23,187	5.0	0.6
The Gary State Bank	Gary	$12,057	$162	5.4	19.8	$7,813	1.2	0.0
The Lake Bank	Two Harbors	$105,533	$111	0.4	12.6	$75,735	7.9	0.2
The Miners National Bank of Eveleth	Eveleth	$49,245	$43	0.3	22.7	$18,081	0.8	0.0
The Nicollet County Bank of Saint Peter	Saint Peter	$146,270	$338	0.9	14.2	$76,117	1.1	0.0
The Northern State Bank of Gonvick	Gonvick	$35,896	-$11	-0.1	81.0	$5,177	1.0	-0.1
The Pioneer National Bank of Duluth	Duluth	$78,345	$276	1.3	14.2	$62,348	0.7	0.0
The State Bank of Faribault	Faribault	$177,709	$608	1.4	15.0	$85,254	2.6	0.5
The Wanda State Bank	Wanda	$123,531	$386	1.3	24.7	$55,407	0.6	0.0
Think Mutual Bank	Rochester	$1,513,740	$2,034	0.5	23.4	$830,793	0.5	0.3
Tradition Capital Bank	Edina	$209,624	$485	0.9	11.3	$174,152	0.2	0.4
Triumph State Bank	Trimont	$60,811	-$316	-2.1	11.4	$34,258	3.4	3.9
Ultima Bank Minnesota	Winger	$129,056	$811	2.6	11.4	$112,626	1.5	0.1
Union Bank and Trust Company	Minneapolis	$73,369	$57	0.3	32.3	$22,736	1.6	0.0
Union State Bank of Browns Valley	Browns Valley	$21,481	$73	1.4	21.5	$8,825	0.0	0.0
United Bankers' Bank	Bloomington	$633,932	$1,234	0.8	17.7	$250,446	4.4	1.5
United Community Bank	Perham	$201,503	$410	0.8	13.5	$108,919	2.3	-0.1
United Farmers & Merchants State Bank	Morris	$37,574	$31	0.3	12.9	$13,852	0.4	0.0
United Minnesota Bank	New London	$24,124	$71	1.2	12.1	$18,105	0.7	0.2
United Prairie Bank	Mountain Lake	$578,549	$1,073	0.8	10.2	$399,292	1.3	0.0
United Southwest Bank	Cottonwood	$45,264	$44	0.4	14.0	$14,719	0.0	0.0
Unity Bank	Rush City	$189,636	$600	1.3	10.9	$144,749	0.8	0.1
Unity Bank North	Red Lake Falls	$75,863	$231	1.2	16.3	$48,470	0.9	0.0
University National Bank	St. Paul	$624,418	$4,639	3.6	20.7	$117,558	3.4	0.3
Venture Bank	Bloomington	$327,005	$1,701	2.1	9.7	$257,227	0.9	0.2
Vergas State Bank	Vergas	$46,303	$66	0.6	27.2	$18,405	0.7	0.0
Vermillion State Bank	Vermillion	$492,453	$2,709	2.2	18.0	$287,182	0.3	0.4
Viking Savings Bank	Alexandria	$158,546	$647	1.6	15.3	$108,758	2.4	0.0
Village Bank	Saint Francis	$206,981	-$451	-0.9	5.5	$139,585	10.3	8.1
VisionBank	Saint Louis Park	$32,576	$35	0.4	14.2	$25,296	2.7	0.0
Voyager Bank	Eden Prairie	$376,866	$755	0.8	9.0	$299,797	2.4	0.1
Wadena State Bank	Wadena	$112,653	$532	1.8	19.1	$61,691	0.4	0.0
Welcome State Bank	Welcome	$23,393	$113	1.9	11.9	$14,910	1.7	0.0
Wells Federal Bank, FSB	Wells	$246,571	$493	0.8	14.1	$171,103	1.5	0.0
Western Bank	St. Paul	$401,353	$1,665	1.7	16.7	$260,937	0.5	0.0
Western National Bank	Cass Lake	$34,722	$104	1.3	13.5	$20,732	0.0	0.2
Western National Bank	Duluth	$119,175	$431	1.4	10.7	$76,666	0.0	0.3
White Rock Bank	Cannon Falls	$139,632	$644	1.8	15.7	$91,206	1.6	0.1
Winona National Bank	Winona	$256,234	$593	0.9	16.8	$120,042	5.4	-0.2
Winthrop State Bank	Winthrop	$21,417	$48	0.9	32.5	$4,313	0.0	0.0
Woodland Bank	Deer River	$111,359	$13	0.0	10.9	$78,102	3.3	0.0
Woodlands National Bank	Hinckley	$132,963	$215	0.6	17.9	$73,947	3.8	0.0
Worthington Federal Savings Bank, FSB	Worthington	$63,307	$92	0.6	34.4	$41,558	1.0	0.1

Key:

Return on assets: Profits after taxes and extraordinary items (annualized) as a percent of average total assets. 1 percent is considered good.
Net Loans and Leases: Total loans and lease financing receivables minus unearned income and loan loss allowances -- a basic measure of a bank’s level of loans.
Net Charge-Off Ratio: A bank's net charge-off ratio is the percentage of its loans that are written off as bad debts, less recoveries. A ratio of 3 percent or more is considered too high.
Noncurrent loans and leases to: A noncurrent loan is a loan in which payments have fallen behind by 90 days or more. Many of these loans are never repaid and can lead to loan losses for the bank. A bank's noncurrent loans should not exceed 10 percent of its total loans.
Loss Allowance to Loans: A bank's loss allowance is the amount of cash it sets aside to cover future loan losses. A bank's loss allowance generally should not dip below 1 percent of its loans.
Tier One Risk-Based Capital Ratio: A bank's Tier One Risk-Based Capital Ratio is a bank's common stock and reserves divided by its assets. It is a key measure of a bank's ability to withstand future loan losses. A bank must maintain a ratio of 6 percent or more to be considered "well capitalized" by regulators.

Source: Federal Deposit Insurance Corp.

Notes: Data does not include Wells Fargo and U.S. Bank because the banks aren’t chartered in Minnesota.

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