Minnesota Bank Performance: 2nd Quarter

By: STAR TRIBUNE
Updated: August 28, 2012 - 4:23 PM

Minnesota banks continue recovering from the financial crisis and Great Recession. Here’s a look at individual results year-to-date, through the second quarter. This FDIC 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)	2Q 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	$56,236	-$489	-1.7	3.0	$37,735	10.2	-0.2
1st United Bank	Faribault	$135,306	$580	0.9	11.6	$74,045	1.7	0.3
21st Century Bank	Loretto	$364,263	$706	0.4	16.2	$272,939	1.1	2.1
Adrian State Bank	Adrian	$36,546	$123	0.7	14.7	$20,469	0.2	-0.1
Alliance Bank	Lake City	$584,946	$303	0.1	12.9	$433,807	5.5	1.0
Altura State Bank	Altura	$45,874	$485	2.1	22.5	$27,694	0.0	0.0
American Bank of St. Paul	Saint Paul	$387,568	-$1,399	-0.7	8.4	$184,991	8.0	2.2
American Bank of the North	Nashwauk	$605,575	$993	0.3	8.2	$457,077	13.3	1.7
American Heritage National Bank	Long Prairie	$208,744	$1,077	1.0	17.2	$145,191	0.4	0.0
American Investors Bank and Mortgage	Eden Prairie	$88,889	$528	1.2	15.9	$35,341	2.3	2.0
American National Bank of Minnesota	Baxter	$266,390	$88	0.1	14.1	$175,223	6.2	0.5
American State Bank of Erskine	Erskine	$24,300	$121	1.0	27.1	$10,512	0.0	0.0
American State Bank of Grygla	Grygla	$25,111	$194	1.5	17.0	$14,890	0.1	0.0
Americana Community Bank	Sleepy Eye	$121,590	-$190	-0.3	4.7	$71,854	1.6	1.6
Ameriprise Bank, FSB	Minneapolis	$5,568,656	$19,316	0.7	13.4	$1,363,816	0.3	0.7
Anchor Bank, National Association	Saint Paul	$1,303,159	$4,514	0.7	11.7	$924,039	1.4	0.7
Annandale State Bank	Annandale	$122,525	$551	0.9	11.2	$65,335	4.2	0.5
Arlington State Bank	Arlington	$54,970	$283	1.0	18.3	$23,286	3.3	0.0
Atwater State Bank	Atwater	$42,923	$156	0.7	14.3	$29,545	1.0	0.0
Avon State Bank	Avon	$107,706	$532	1.0	25.5	$49,908	0.9	0.1
Bank of Maple Plain	Maple Plain	$63,229	$435	1.3	28.7	$30,870	0.3	-0.1
Bank of Zumbrota	Zumbrota	$133,514	$1,014	1.5	14.2	$93,711	2.2	0.3
BankCherokee	Saint Paul	$241,099	-$384	-0.3	9.4	$148,352	2.8	0.7
BankVista	Sartell	$110,777	$501	0.9	11.3	$92,328	1.2	0.2
BANKWEST	Rockford	$103,931	$322	0.6	11.3	$72,908	3.5	-0.2
Beacon Bank	Shorewood	$295,760	$1,307	0.9	15.8	$174,868	2.1	1.6
Blaine State Bank	Blaine	$36,335	-$262	-1.4	8.8	$22,075	2.4	0.2
Bonanza Valley State Bank	Brooten	$50,429	$199	0.8	9.0	$39,340	2.9	0.5
Border State Bank	Greenbush	$332,017	$871	0.5	10.8	$241,430	4.0	0.1
Boundary Waters Bank	Ely	$112,014	-$293	-0.5	4.2	$76,592	7.4	1.7
Brainerd Savings and Loan Association, A Federal Association	Brainerd	$65,825	$142	0.4	11.9	$48,716	2.8	0.0
Bremer Bank, National Association	Saint Cloud	$593,019	$5,062	1.7	11.4	$479,814	1.2	0.0
Bremer Bank, National Association	International Fa	$113,035	$525	0.9	14.7	$49,639	0.0	0.0
Bremer Bank, National Association	Willmar	$597,735	$4,238	1.4	10.4	$456,283	1.0	0.2
BREMER BANK, NATIONAL ASSOCIATION	Alexandria	$619,662	$3,799	1.2	12.5	$408,076	1.6	0.0
Bremer Bank, National Association	Brainerd	$335,417	$1,808	1.1	13.1	$237,241	1.7	1.0
Bremer Bank, National Association	South St. Paul	$2,633,160	$13,109	1.0	11.3	$1,676,207	1.1	0.3
Bridgewater Bank	Bloomington	$435,207	$2,352	1.1	10.0	$351,845	1.6	0.7
Cambridge State Bank	Cambridge	$71,808	$36	0.1	16.0	$50,329	7.0	2.7
Capital Bank	St. Paul	$36,086	$199	1.1	17.2	$12,146	7.5	0.2
Castle Rock Bank	Castle Rock	$151,526	$1,205	1.5	24.3	$68,567	3.0	0.1
CenBank	Buffalo Lake	$51,352	$190	0.7	15.2	$30,454	0.1	0.0
Center National Bank	Litchfield	$177,941	$1,243	1.4	16.5	$83,093	1.1	1.0
Central Bank	Stillwater	$1,068,878	$9,647	1.8	15.1	$706,189	1.2	0.8
Choice Financial Savings Bank	Comfrey	$14,617	$35	0.5	19.3	$6,353	7.4	-0.7
Citizens Alliance Bank	Clara City	$432,998	$2,262	1.1	11.5	$274,320	1.7	0.2
Citizens Bank & Trust Co.	Hutchinson	$184,053	$1,204	1.3	13.5	$127,677	1.4	0.4
Citizens Bank Minnesota	New Ulm	$318,236	$1,514	1.0	14.1	$187,296	0.5	0.0
Citizens Independent Bank	Saint Louis Park	$296,754	$478	0.3	11.3	$216,390	3.4	0.4
Citizens State Bank Norwood Young America	Norwood Young Am	$83,668	-$81	-0.2	9.6	$62,618	3.6	0.6
Citizens State Bank of Glenville	Glenville	$39,614	$163	0.8	25.3	$13,220	0.5	0.0
Citizens State Bank of Hayfield	Hayfield	$77,048	$311	0.8	10.0	$53,901	1.7	0.0
Citizens State Bank of Roseau	Roseau	$194,223	$1,734	1.8	20.1	$80,227	0.5	0.0
Citizens State Bank of Shakopee	Shakopee	$19,987	-$33	-0.3	12.4	$13,393	1.8	-0.1
Citizens State Bank of Tyler, Incorporated	Tyler	$18,548	$52	0.6	15.8	$4,516	6.4	0.4
Citizens State Bank of Waverly, Inc.	Waverly	$60,813	$409	1.3	14.3	$38,318	1.5	0.0
Clinton State Bank	Clinton	$65,549	$981	2.9	18.4	$43,992	1.3	0.0
Commerce Bank	Geneva	$180,123	-$560	-0.6	16.9	$127,536	10.4	3.2
Commercial Bank of Minnesota	Heron Lake	$35,787	-$557	-3.1	10.9	$21,514	0.0	0.0
Community Bank Corporation	Chaska	$151,997	$833	1.1	17.3	$102,717	2.8	-0.3
Community Bank Mankato	Vernon Center	$188,486	$1,701	1.8	11.0	$146,608	0.8	0.1
Community Bank Owatonna	Owatonna	$52,681	$185	0.7	15.7	$30,036	0.1	0.8
Community Bank, Austin	Austin	$39,409	$93	0.5	10.4	$30,218	0.3	0.3
Community Development Bank, FSB	Ogema	$70,263	$222	0.6	14.8	$44,006	2.5	0.8
Community Pride Bank	Isanti	$85,141	$310	0.7	14.0	$56,129	0.9	0.1
Community Resource Bank	Northfield	$233,021	$157	0.1	11.6	$139,695	3.8	1.5
Concorde Bank	Blomkest	$51,316	$163	0.6	12.1	$28,987	1.6	0.0
Cornerstone State Bank	Montgomery	$118,683	$641	1.1	10.8	$81,170	3.0	0.7
Crookston National Bank	Crookston	$58,358	$163	0.6	15.3	$26,290	0.5	0.0
Crow River State Bank	Delano	$80,566	$485	1.2	20.5	$27,828	0.6	0.0
Crown Bank	Edina	$204,630	-$1,377	-1.3	9.0	$170,167	1.9	3.5
Currie State Bank	Currie	$46,652	$258	1.1	10.4	$40,496	1.4	0.4
Drake Bank	Saint Paul	$85,460	$162	0.4	12.2	$68,550	2.7	2.0
Eagle Bank	Glenwood	$111,358	$788	1.4	22.4	$73,491	1.1	0.0
Eagle Community Bank	Maple Grove	$20,340	-$439	-4.2	7.3	$13,152	1.6	0.0
Eastwood Bank	Kasson	$542,012	$4,095	1.5	11.7	$342,944	2.4	0.1
Eitzen State Bank	Caledonia	$80,916	$620	1.6	12.3	$47,831	0.3	0.1
Elysian Bank	Elysian	$44,695	$130	0.6	14.0	$18,105	9.0	0.8
Equity Bank	Minnetonka	$50,496	$33	0.1	13.1	$41,242	4.0	0.0
Exchange State Bank	Luverne	$134,755	$850	1.2	12.6	$81,429	0.1	0.0
F & M Bank Minnesota	Clarkfield	$96,686	$316	0.7	11.5	$54,880	0.2	0.1
F & M Community Bank, National Association	Preston	$94,524	$824	1.8	13.3	$65,499	1.8	0.2
Falcon National Bank	Foley	$130,303	$687	1.1	13.7	$94,686	0.6	0.5
Farmers & Merchants State Bank of New York Mills, Incorporated	New York Mills	$53,784	$227	0.8	19.0	$26,512	0.1	-0.2
Farmers and Merchants State Bank	Paynesville	$26,128	$173	1.3	25.8	$7,707	0.0	0.0
Farmers and Merchants State Bank of Alpha	Alpha	$31,299	$101	0.7	16.0	$21,501	2.8	-0.1
Farmers and Merchants State Bank of Appleton	Appleton	$42,148	$209	1.0	19.3	$23,786	1.4	0.0
Farmers and Merchants State Bank of Blooming Prairie	Blooming Prairie	$69,818	$606	1.6	11.1	$59,657	0.4	0.0
Farmers and Merchants State Bank of Pierz	Pierz	$171,413	$2,236	2.6	14.4	$118,918	1.6	0.1
Farmers and Merchants State Bank of Sacred Heart	Sacred Heart	$25,354	-$102	-0.8	18.9	$10,662	1.0	1.5
Farmers and Merchants State Bank of Springfield	Springfield	$114,136	$354	0.6	11.1	$69,642	0.0	0.0
Farmers State Bank of Adams, Minnesota	Adams	$79,625	$949	2.4	13.6	$58,565	0.0	0.1
Farmers State Bank of Darwin	Darwin	$33,599	$180	1.1	11.6	$13,091	1.2	0.0
Farmers State Bank of Elkton	Elkton	$47,648	$230	1.0	14.0	$24,878	0.4	1.0
Farmers State Bank of Hamel	Hamel	$91,712	$301	0.7	25.2	$29,827	1.9	0.0
Farmers State Bank of Hartland	Hartland	$93,815	$381	0.8	10.9	$70,054	1.2	0.4
Farmers State Bank of Hoffman	Hoffman	$28,300	$251	1.8	18.7	$13,433	0.1	0.0
Farmers State Bank of Madelia, Incorporated	Madelia	$65,264	$336	1.1	17.4	$32,480	0.6	0.0
Farmers State Bank of Trimont	Trimont	$57,036	$318	1.1	21.0	$27,749	0.6	0.0
Farmers State Bank of Underwood	Underwood	$45,929	$420	1.8	12.4	$34,031	0.3	0.0
Farmers State Bank of Watkins	Watkins	$37,440	$324	1.7	20.9	$19,569	2.0	0.1
Farmers State Bank of West Concord	West Concord	$45,808	$211	0.9	17.2	$24,136	2.6	0.0
Fidelity Bank	Edina	$401,257	$3,744	1.9	16.5	$311,374	1.1	0.4
Financial Security Bank	Kerkhoven	$51,427	$414	1.6	16.6	$42,002	1.0	0.4
First Advantage Bank	Coon Rapids	$62,076	$54	0.2	15.5	$31,278	5.0	0.2
First Bank & Trust, National Association	Pipestone	$172,090	$1,132	1.3	11.4	$111,764	1.3	0.0
First Bank Blue Earth	Blue Earth	$163,312	$1,729	2.1	14.8	$113,518	0.7	0.2
First Commercial Bank	Bloomington	$215,867	-$3,637	-3.3	1.8	$166,680	14.3	3.8
First Community Bank Lester Prairie	Lester Prairie	$28,372	$216	1.5	13.8	$14,411	0.4	1.3
First Community Bank Silver Lake	Silver Lake	$25,014	$362	2.9	18.8	$9,967	1.4	0.0
First Farmers & Merchants National Bank	Le Sueur	$109,461	$850	1.6	12.7	$72,285	6.7	0.0
First Farmers & Merchants National Bank	Fairmont	$88,724	$860	2.0	13.7	$76,703	2.7	0.0
First Farmers & Merchants State Bank	Brownsdale	$81,291	$470	1.1	17.9	$43,762	1.1	1.2
First Farmers & Merchants State Bank of Grand Meadow	Grand Meadow	$41,659	$182	0.9	15.5	$27,812	3.1	-0.5
First Farmers and Merchants National Bank	Luverne	$150,870	$1,504	2.0	15.7	$105,823	0.3	0.0
First Financial Bank	Twin Valley	$15,501	$20	0.3	32.3	$4,389	3.5	-0.2
First Financial Bank in Winnebago	Winnebago	$42,445	$400	1.9	18.7	$28,984	1.0	0.0
First Independent Bank	Russell	$215,223	$988	0.9	11.2	$139,514	0.7	0.2
First Minnesota Bank	Minnetonka	$390,236	$734	0.4	22.9	$92,242	0.8	0.6
First Minnetonka City Bank	Minnetonka	$194,887	$1,144	1.2	14.0	$108,439	1.8	0.4
First National Bank	Chisholm	$83,046	$539	1.3	18.0	$17,180	0.9	1.2
First National Bank	Hawley	$90,678	$435	1.0	18.4	$51,224	2.7	0.0
First National Bank	Slayton	$198,920	$537	0.5	12.5	$108,036	1.8	0.0
First National Bank in Mahnomen	Mahnomen	$70,082	$559	1.6	15.6	$39,390	0.7	-0.7
First National Bank Minnesota	St. Peter	$196,099	$341	0.4	15.7	$109,297	4.1	-0.4
First National Bank of Menahga & Sebeka	Menahga	$83,694	$625	1.5	22.4	$42,952	3.0	0.2
First National Bank of the Lakes	Navarre	$66,080	$41	0.1	18.7	$25,810	6.3	0.5
First Resource Bank	Savage	$92,249	$504	1.4	26.1	$42,827	1.0	0.5
First Security Bank	Byron	$50,833	$239	0.9	12.1	$32,469	0.8	0.2
First Security Bank - Canby.	Canby	$61,883	$631	2.1	16.3	$29,233	0.2	0.0
First Security Bank - Sleepy Eye	Sleepy Eye	$194,681	$2,266	2.4	14.5	$129,114	0.9	0.0
First Security Bank-Hendricks	Hendricks	$19,447	$200	2.1	19.6	$8,875	0.0	0.1
First Southeast Bank	Harmony	$81,958	$667	1.6	10.9	$67,659	0.2	0.1
First State Bank and Trust	Bayport	$199,629	$683	0.7	13.0	$122,960	0.5	0.8
First State Bank Minnesota	Le Roy	$64,541	$290	0.9	14.0	$32,866	0.1	0.2
First State Bank of Ashby	Ashby	$30,963	$74	0.5	14.2	$15,523	0.2	0.2
First State Bank of Bigfork	Bigfork	$62,994	$159	0.5	16.8	$44,383	6.3	-0.1
First State Bank of Clearbrook	Clearbrook	$34,106	$272	1.5	16.6	$18,109	0.4	0.0
First State Bank of Fertile	Fertile	$38,134	$95	0.5	26.8	$13,901	0.6	0.0
First State Bank of Fountain	Fountain	$33,663	$45	0.3	19.2	$18,489	0.8	0.0
First State Bank of Grove City	Grove City	$21,260	$129	1.2	31.4	$13,692	2.4	0.8
First State Bank of Kiester	Kiester	$17,913	-$6	-0.1	11.1	$11,105	2.2	0.6
First State Bank of Le Center	Le Center	$67,076	$696	2.1	13.7	$45,291	0.3	0.0
First State Bank of Murdock	Murdock	$9,670	-$4	-0.1	15.2	$4,611	0.8	0.0
First State Bank of Okabena (Incorporated)	Okabena	$19,105	$30	0.3	33.9	$7,273	0.0	0.0
First State Bank of Sauk Centre	Sauk Centre	$103,515	$521	1.0	23.9	$45,011	2.4	0.0
First State Bank of Swanville	Swanville	$28,928	$19	0.1	14.5	$18,981	3.6	3.1
First State Bank of Wabasha	Wabasha	$117,189	$575	1.0	19.8	$38,962	4.5	1.6
First State Bank of Wyoming	Wyoming	$144,802	$503	0.7	26.6	$59,959	3.1	0.4
First State Bank Southwest	Pipestone	$202,735	$2,676	2.6	16.2	$107,643	0.0	0.0
Flagship Bank Minnesota	Wayzata	$94,485	-$135	-0.3	5.4	$67,926	2.7	1.1
Flagship Bank Winsted	Winsted	$39,602	-$96	-0.5	12.9	$19,781	2.3	0.3
Frandsen Bank & Trust	Lonsdale	$1,434,099	$8,772	1.2	12.2	$803,519	2.8	0.4
Franklin National Bank of Minneapolis	Minneapolis	$143,862	$832	1.1	17.8	$104,184	0.4	0.0
Franklin State Bank	Franklin	$27,193	$121	0.9	18.6	$16,798	0.2	0.0
Freeport State Bank	Freeport	$90,412	$505	1.1	11.5	$70,051	0.4	0.0
Frost State Bank	Frost	$33,983	$279	1.7	12.1	$29,849	2.0	0.1
Gateway Bank	Mendota Heights	$101,186	$775	1.6	12.2	$78,897	0.8	0.3
Glenwood State Bank (Incorporated)	Glenwood	$193,448	$1,007	1.1	10.8	$170,605	1.6	0.0
Grand Marais State Bank	Grand Marais	$70,240	$709	2.0	14.1	$44,290	0.0	0.2
Grand Rapids State Bank	Grand Rapids	$236,906	$954	0.8	13.0	$113,186	0.3	0.5
Grand Timber Bank	Mcgregor	$41,641	$258	1.2	16.3	$29,542	5.2	1.0
Granite Falls Bank	Granite Falls	$186,516	$1,510	1.6	16.6	$55,405	0.5	0.1
Great Northern Bank	Saint Michael	$66,866	$42	0.1	9.1	$40,197	1.6	1.4
Heritage Bank National Association	Spicer	$458,848	$2,056	0.9	14.3	$249,197	1.7	0.4
Highland Bank	Saint Michael	$463,703	$2,160	0.9	12.6	$222,708	1.5	0.9
Home Federal Savings Bank	Rochester	$669,873	$3,586	1.0	12.4	$498,392	6.0	1.6
Home State Bank	Litchfield	$126,546	$787	1.2	16.0	$75,138	0.1	-0.6
HomeTown Bank	Redwood Falls	$199,497	$1,342	1.3	13.8	$133,335	0.6	0.0
Hometown Community Bank	Cyrus	$24,400	$25	0.2	12.0	$14,475	2.3	0.3
Integrity Bank Plus	Wabasso	$57,420	$445	1.6	11.2	$43,063	0.2	-0.1
Jackson Federal Savings and Loan Association	Jackson	$38,132	$172	0.9	37.8	$15,983	0.0	0.0
Janesville State Bank	Janesville	$55,175	$425	1.5	15.7	$35,177	0.3	0.0
Kanabec State Bank	Mora	$139,527	$422	0.6	26.3	$51,482	4.1	0.5
Kasson State Bank	Kasson	$59,820	$133	0.4	11.5	$36,217	1.0	0.4
Kensington Bank	Kensington	$107,867	$104	0.3	10.3	$65,508	4.1	0.1
Kent State Bank	Kent	$9,056	-$19	-0.5	18.8	$4,712	0.0	0.0
Key Community Bank	Inver Grove Heig	$50,695	-$1,107	-4.0	9.5	$32,469	9.5	5.8
KleinBank	Big Lake	$1,525,691	$5,592	0.7	14.9	$674,636	2.4	0.6
Lake Area Bank	Lindstrom	$269,227	-$1,149	-0.8	11.1	$179,535	7.7	2.3
Lake City Federal Bank	Lake City	$74,836	$37	0.1	13.6	$56,571	7.4	0.0
Lake Community Bank	Long Lake	$128,233	$166	0.2	13.3	$79,115	6.7	0.6
Lake Country Community Bank	Morristown	$28,790	-$16	-0.1	6.9	$16,906	2.1	1.9
Lake Elmo Bank	Lake Elmo	$288,280	$601	0.4	13.8	$154,956	2.0	0.5
Lake Region Bank	New London	$100,200	$532	1.1	12.3	$53,359	1.7	0.2
Lakes State Bank	Pequot Lakes	$110,756	$664	1.3	15.7	$68,919	1.2	0.5
Lakeview Bank	Lakeville	$50,583	$145	0.6	11.4	$37,025	5.4	0.0
Landmark Community Bank, National Association	Isanti	$103,370	$74	0.1	10.5	$64,806	3.8	0.9
Liberty Savings Bank fsb	Saint Cloud	$167,197	$767	0.9	17.2	$97,892	0.0	0.2
Lowry State Bank	Lowry	$38,783	$388	2.0	10.0	$34,506	2.6	0.3
Maple Bank	Champlin	$56,432	-$69	-0.2	13.2	$37,895	3.7	1.3
Marshall County State Bank	Newfolden	$27,432	$112	0.8	43.7	$9,830	0.4	0.0
Merchants Bank, National Association	Winona	$1,266,843	$8,150	1.3	12.6	$811,217	1.6	0.1
Mid-Central Federal Savings Bank	Wadena	$96,817	$420	0.9	13.9	$78,401	1.2	0.4
Midwest Bank	Detroit Lakes	$310,272	$3,301	2.1	10.1	$266,786	0.2	0.0
Mills Resolute Bank	Sanborn	$21,589	$78	0.7	9.4	$17,428	0.3	0.4
Minnesota Bank & Trust	Edina	$101,704	-$94	-0.2	14.5	$82,581	0.0	0.0
Minnesota First Credit and Savings, Incorporated	Rochester	$29,649	$115	0.8	15.6	$26,740	1.7	0.7
Minnesota National Bank	Sauk Centre	$198,407	$973	1.0	13.5	$110,118	0.7	0.2
Minnstar Bank National Association	Lake Crystal	$111,026	$134	0.2	12.8	$66,314	2.8	0.3
Minnwest Bank Central	Montevideo	$295,813	$1,580	1.0	11.7	$239,804	0.7	0.0
Minnwest Bank Luverne	Luverne	$163,131	$574	0.7	12.7	$107,129	0.9	0.1
Minnwest Bank Metro	Eagan	$225,681	-$501	-0.4	11.7	$153,751	2.1	0.5
Minnwest Bank South	Tracy	$212,747	$245	0.2	13.1	$127,912	2.1	-0.4
Minnwest Bank, M.V.	Redwood Falls	$485,439	$3,108	1.2	12.0	$396,444	0.9	0.0
Neighborhood National Bank	Alexandria	$46,554	$84	0.4	14.9	$26,913	5.1	0.1
New Market Bank	Elko New Market	$82,850	$33	0.1	15.5	$46,303	5.0	0.9
North American Banking Company	Roseville	$260,583	$940	0.7	12.4	$179,852	0.5	0.1
North American State Bank	Belgrade	$101,697	-$144	-0.3	15.5	$51,285	8.0	0.1
North Shore Bank of Commerce	Duluth	$228,536	$1,141	1.0	10.1	$168,917	0.7	0.1
North Star Bank	Roseville	$248,428	$284	0.2	12.8	$107,306	3.7	0.3
Northeast Bank	Minneapolis	$338,869	$922	0.5	13.9	$259,034	2.8	0.5
Northern Star Bank	Mankato	$27,313	-$164	-1.2	5.2	$20,183	0.2	-0.1
Northern State Bank of Thief River Falls	Thief River Fall	$264,741	$1,117	0.8	21.4	$111,973	2.0	0.1
Northern State Bank of Virginia	Virginia	$61,657	$8	0.0	11.2	$38,994	0.9	0.4
Northview Bank	Sandstone	$224,265	$1,148	1.0	11.1	$170,102	2.4	0.2
Northwestern Bank, National Association	Dilworth	$129,818	$360	0.5	13.7	$82,464	2.9	0.1
Northwoods Bank of Minnesota	Park Rapids	$106,376	$396	0.7	13.7	$57,926	8.4	0.6
Odin State Bank	Odin	$37,167	$305	1.6	18.9	$22,397	1.1	0.3
Olmsted National Bank	Rochester	$53,158	-$77	-0.3	11.7	$34,763	0.4	0.3
Ormsby State Bank	Ormsby	$25,876	$223	1.7	20.2	$9,831	0.0	0.0
Paragon Bank	Wells	$30,434	$122	0.8	13.1	$21,348	1.8	0.0
Park Midway Bank, National Association	Saint Paul	$253,755	$2,005	1.6	14.2	$209,181	3.4	0.0
Park State Bank	Duluth	$30,094	$3	0.0	9.6	$18,582	0.6	0.3
Peoples Bank of Commerce	Cambridge	$288,479	$2,066	1.4	16.6	$179,074	5.4	0.5
Peoples National Bank of Mora	Mora	$157,441	$676	0.9	18.0	$79,323	3.0	0.4
Peoples State Bank of Madison Lake	Madison Lake	$23,194	$23	0.2	12.3	$12,638	5.6	2.7
Peoples State Bank of Plainview	Plainview	$181,122	$1,143	1.3	13.6	$106,020	1.5	-0.1
Peoples State Bank of Wells	Wells	$26,942	$211	1.5	15.0	$19,372	0.1	0.0
Pine Country Bank	Little Falls	$160,255	$699	0.9	10.5	$93,070	2.8	0.4
Pine Island Bank	Pine Island	$68,591	$375	1.1	13.1	$35,446	1.4	0.0
Pine River State Bank	Pine River	$94,632	$335	0.7	15.5	$49,427	0.1	0.0
Pioneer Bank	Mapleton	$262,276	$915	0.7	12.3	$206,814	1.0	0.1
Platinum Bank	Oakdale	$151,123	$750	1.1	13.5	$88,900	1.1	0.1
Plaza Park State Bank	Waite Park	$162,714	$1,180	1.4	11.2	$130,706	3.6	0.2
Prairie Sun Bank	Milan	$33,969	$353	2.3	10.0	$18,148	0.5	0.2
Premier Bank	Maplewood	$536,657	$1,551	0.6	8.8	$378,546	4.6	0.3
Premier Bank Minnesota	Farmington	$172,166	$121	0.1	10.4	$108,568	3.6	0.1
Premier Bank Rochester	Rochester	$147,443	$237	0.3	10.3	$96,721	2.0	0.1
Prime Security Bank	Karlstad	$62,044	-$116	-0.4	8.6	$44,467	5.1	-0.5
PrinsBank	Prinsburg	$112,440	$1,369	2.5	10.0	$89,484	3.6	0.4
Prior Lake State Bank	Prior Lake	$191,046	$1,498	1.6	21.1	$101,974	2.2	-0.2
Private Bank Minnesota	Minneapolis	$145,353	$201	0.3	11.7	$123,604	3.4	1.1
Produce State Bank	Hollandale	$39,733	$273	1.4	19.1	$23,114	4.0	-0.2
Profinium Financial, Inc.	Truman	$310,792	$1,030	0.7	12.6	$197,319	1.5	0.2
ProGrowth Bank	Nicollet	$133,836	$142	0.2	13.3	$66,999	3.8	1.2
Provincial Bank	Lakeville	$72,218	$646	1.7	13.5	$54,920	1.2	0.1
Randall State Bank	Randall	$35,227	$286	1.6	24.3	$18,556	3.5	0.1
Red River State Bank	Halstad	$45,942	$518	2.1	12.5	$39,567	0.7	0.0
Reliance Bank	Faribault	$65,607	$322	1.0	15.4	$41,529	3.1	1.6
Republic Bank, Inc.	Duluth	$294,477	$1,759	1.2	11.6	$250,989	1.2	0.4
Riverland Bank	Jordan	$32,653	-$299	-2.1	9.0	$17,918	3.8	1.6
RiverWood Bank	Baxter	$154,319	-$34	0.0	11.0	$110,015	5.7	0.8
RiverWood Bank	Bemidji	$158,664	$70	0.1	12.7	$102,290	5.7	0.1
Root River State Bank	Chatfield	$62,325	$109	0.4	18.8	$35,929	1.2	0.1
Roundbank	Waseca	$278,205	$2,189	1.5	13.7	$195,290	5.4	0.4
Rushford State Bank (Incorporated)	Rushford	$50,064	$247	1.0	10.5	$33,854	2.8	-0.1
Security Bank & Trust Company	Glencoe	$235,787	$1,801	1.5	13.0	$133,273	0.8	0.5
Security Bank Minnesota	Albert Lea	$93,766	$660	1.4	15.1	$56,272	0.4	0.6
Security Bank USA	Bemidji	$105,206	$876	1.6	11.5	$82,279	0.8	0.1
Security Bank Waconia	Waconia	$171,340	$1,044	1.2	14.2	$93,344	0.1	0.2
Security State Bank of Aitkin	Aitkin	$89,862	-$23	-0.1	13.5	$58,673	4.2	0.3
Security State Bank of Fergus Falls	Fergus Falls	$140,420	$797	1.1	12.4	$98,056	0.9	0.3
Security State Bank of Hibbing	Hibbing	$101,881	$317	0.6	16.6	$46,818	4.3	0.0
Security State Bank of Kenyon	Kenyon	$51,406	$272	1.0	12.1	$37,997	4.7	0.2
Security State Bank of Lewiston	Lewiston	$65,839	-$198	-0.6	12.3	$34,872	1.9	1.2
Security State Bank of Marine	Marine On St. Cr	$109,315	$355	0.6	17.0	$72,568	0.6	1.0
Security State Bank of Oklee	Oklee	$28,924	$15	0.1	40.0	$7,680	0.2	0.0
Security State Bank of Wanamingo	Wanamingo	$71,966	$556	1.5	12.4	$48,167	0.6	0.5
Security State Bank of Warroad	Warroad	$86,332	-$369	-0.9	27.1	$45,012	3.5	1.0
Sentry Bank	Saint Joseph	$161,147	$1,355	1.7	13.3	$87,687	0.7	0.5
Sherburne State Bank	Becker	$77,064	$167	0.5	13.9	$42,559	3.5	0.7
Signature Bank	Minnetonka	$193,482	$1,104	1.2	12.1	$160,995	1.8	0.1
St James Federal Savings and Loan Association	Saint James	$26,087	$77	0.6	14.7	$17,435	0.3	0.0
St. Clair State Bank (Incorporated)	Saint Clair	$73,906	$585	1.6	16.8	$49,191	0.2	0.0
St. Martin National Bank	Saint Martin	$18,542	$141	1.5	25.5	$9,933	0.2	0.0
Star Bank	Bertha	$146,357	$1,179	1.6	13.4	$116,745	0.3	0.1
State Bank in Eden Valley	Eden Valley	$28,050	$362	2.6	15.2	$16,190	1.9	-0.9
State Bank of Belle Plaine	Belle Plaine	$99,011	$423	0.9	21.5	$38,689	2.5	-0.2
State Bank of Bellingham	Bellingham	$35,115	$274	1.5	10.6	$31,012	0.0	0.0
State Bank of Ceylon	Ceylon	$11,937	$29	0.5	21.5	$5,463	2.3	0.0
State Bank of Chandler	Chandler	$38,445	$238	1.2	16.7	$22,890	0.0	-0.3
State Bank of Clarks Grove	Albert Lea	$22,655	$35	0.3	23.0	$7,401	3.6	-0.1
State Bank of Cold Spring	Cold Spring	$51,063	$131	0.5	13.7	$30,245	0.9	-0.6
State Bank of Danvers	Danvers	$40,798	$200	1.0	19.4	$20,666	0.1	0.0
State Bank of Delano	Delano	$78,373	-$13	0.0	7.7	$40,594	6.7	1.0
State Bank of Easton	Easton	$20,602	$8	0.1	15.5	$12,905	7.2	0.0
State Bank of Fairmont	Fairmont	$95,520	$877	1.9	14.4	$65,710	1.5	0.3
State Bank of Gibbon	Gibbon	$24,775	$164	1.3	12.9	$15,496	0.3	0.0
State Bank of Hamburg	Hamburg	$20,951	$29	0.3	15.2	$10,288	0.3	0.3
State Bank of Hawley	Hawley	$93,142	$609	1.3	13.7	$52,256	0.9	0.1
State Bank of Jeffers	Jeffers	$23,161	$89	0.8	21.6	$12,318	0.0	0.0
State Bank of Kimball	Kimball	$77,172	$686	1.8	14.3	$49,277	1.2	0.0
State Bank of Lake Park	Lake Park	$35,826	$272	1.6	13.4	$17,964	1.0	0.0
State Bank of Lismore	Lismore	$41,333	$263	1.3	12.4	$31,748	0.0	0.0
State Bank of Marietta	Marietta	$11,793	$87	1.4	12.4	$4,695	0.1	0.0
State Bank of New Prague	New Prague	$122,832	$1,056	1.7	19.3	$43,065	4.2	0.3
State Bank of New Richland	New Richland	$95,177	$1,228	2.6	12.0	$69,979	1.0	0.1
State Bank of Park Rapids	Park Rapids	$86,562	$861	2.0	17.3	$41,977	1.9	-0.1
State Bank of Richmond	Richmond	$86,260	$350	0.8	25.4	$33,623	0.0	-0.2
State Bank of Taunton	Taunton	$69,565	$252	0.7	10.4	$47,015	0.2	0.2
State Bank of Wheaton	Wheaton	$64,450	$418	1.3	29.5	$43,188	1.7	0.2
Stearns Bank Holdingford National Association	Holdingford	$111,758	$978	1.9	18.5	$55,961	1.0	0.7
Stearns Bank National Association	Saint Cloud	$1,289,929	$27,337	4.4	23.8	$1,020,852	1.4	-0.1
Stearns Bank Upsala National Association	Upsala	$89,929	$499	1.2	20.1	$33,976	1.0	0.7
Sterling State Bank	Austin	$295,819	$536	0.4	12.5	$173,941	1.9	-0.1
Stonebridge Bank	Minneapolis	$91,898	$179	0.4	9.1	$69,313	0.0	0.0
Summit Community Bank	Maplewood	$62,516	$436	1.4	21.5	$42,721	0.3	2.1
The Bank of Elk River	Elk River	$370,172	$366	0.2	7.3	$240,704	5.8	1.0
The Buffalo Ridge Bank	Beardsley	$42,495	$477	2.3	11.2	$25,763	0.2	-0.1
The Business Bank	Minnetonka	$164,736	$1,271	1.5	12.9	$138,139	1.2	0.0
The Citizens National Bank of Park Rapids	Park Rapids	$211,850	$1,726	1.7	14.0	$134,355	1.4	0.0
The Citizens State Bank of Olivia	Olivia	$25,757	-$102	-0.8	12.9	$11,895	4.5	0.1
The First National Bank at St. James	Saint James	$29,401	$18	0.1	14.2	$16,126	2.3	0.0
The First National Bank in Wadena	Wadena	$55,631	$128	0.5	15.2	$27,852	1.8	0.2
The First National Bank of Bagley	Bagley	$77,140	$237	0.6	12.7	$40,808	0.9	0.1
The First National Bank of Battle Lake	Battle Lake	$67,695	$543	1.6	17.4	$28,741	0.0	0.3
The First National Bank of Bemidji	Bemidji	$567,573	$5,106	1.8	22.1	$266,414	1.1	0.0
The First National Bank of Buhl	Buhl	$24,213	-$34	-0.3	10.5	$17,240	2.5	0.0
The First National Bank of Cokato	Cokato	$37,372	$45	0.2	15.1	$18,239	0.3	0.0
The First National Bank of Cold Spring	Cold Spring	$73,925	$443	1.2	13.8	$52,832	0.3	0.2
The First National Bank of Coleraine	Coleraine	$74,685	$225	0.6	16.8	$24,435	0.0	0.0
The First National Bank of Deerwood	Deerwood	$228,047	$1,334	1.2	14.0	$156,742	3.8	0.0
The First National Bank of Elk River	Elk River	$308,492	$668	0.4	14.1	$156,114	4.8	0.8
The First National Bank of Fairfax	Fairfax	$26,751	$129	0.9	39.2	$20,187	11.1	0.0
The First National Bank of Gilbert	Gilbert	$28,242	$55	0.4	27.1	$12,295	4.0	-0.1
The First National Bank of Henning	Ottertail	$100,138	$766	1.6	14.2	$64,221	0.5	0.2
The First National Bank of Herman	Herman	$23,284	$105	0.8	25.2	$6,884	0.0	0.0
The First National Bank of Le Center	Le Center	$77,508	$560	1.5	17.9	$50,931	1.0	0.0
The First National Bank of McIntosh	Mcintosh	$25,414	$55	0.4	56.9	$8,860	0.0	0.6
The First National Bank of Milaca	Milaca	$169,460	$1,184	1.4	19.5	$101,423	3.0	0.7
The First National Bank of Moose Lake	Moose Lake	$69,428	$541	1.6	15.3	$52,292	2.1	0.3
The First National Bank of Northfield	Northfield	$130,966	$439	0.7	14.6	$78,425	0.8	0.3
The First National Bank of Osakis	Osakis	$65,315	$526	1.6	20.6	$35,660	1.7	0.4
The First National Bank of Plainview	Plainview	$147,552	$791	1.1	11.2	$123,959	2.2	0.0
The First National Bank of Proctor	Proctor	$24,407	$12	0.1	19.2	$13,245	4.8	0.0
The First National Bank of Starbuck	Starbuck	$21,334	-$90	-0.8	25.0	$10,896	1.8	0.0
The First National Bank of Walker	Walker	$351,443	$2,547	1.6	14.1	$210,234	1.6	0.2
The First National Bank of Waseca	Waseca	$111,968	$1,336	2.4	9.5	$85,034	0.6	0.0
The First State Bank of Red Wing	Red Wing	$70,740	$187	0.5	20.4	$20,348	4.0	0.0
The First State Bank of Rosemount	Rosemount	$60,994	-$43	-0.1	17.9	$22,467	5.2	0.3
The Gary State Bank	Gary	$11,078	$208	3.6	19.8	$9,040	1.1	0.0
The Lake Bank	Two Harbors	$104,618	$84	0.2	12.4	$79,046	5.9	0.2
The Miners National Bank of Eveleth	Eveleth	$48,872	$75	0.3	22.3	$18,395	0.7	0.0
The Nicollet County Bank of Saint Peter	Saint Peter	$151,273	$635	0.8	14.3	$75,549	1.2	0.0
The Northern State Bank of Gonvick	Gonvick	$35,440	-$24	-0.1	62.5	$5,810	1.4	0.6
The Pioneer National Bank of Duluth	Duluth	$78,137	$520	1.3	13.8	$64,343	0.7	0.1
The State Bank of Faribault	Faribault	$186,154	$1,070	1.2	15.2	$84,394	2.6	0.9
The Wanda State Bank	Wanda	$122,310	$751	1.2	25.6	$54,521	0.2	0.0
Think Mutual Bank	Rochester	$1,475,435	$3,743	0.5	23.9	$820,356	0.5	0.3
Tradition Capital Bank	Edina	$206,383	$1,038	1.0	11.3	$180,802	0.5	0.3
Triumph State Bank	Trimont	$59,920	-$128	-0.4	12.1	$33,212	3.2	2.5
Ultima Bank Minnesota	Winger	$129,367	$1,603	2.5	11.2	$118,008	1.3	0.1
Union Bank and Trust Company	Minneapolis	$69,338	$97	0.3	31.8	$23,956	0.9	1.2
Union State Bank of Browns Valley	Browns Valley	$21,738	$174	1.6	21.2	$9,228	1.9	0.0
United Bankers' Bank	Bloomington	$595,743	$2,486	0.8	17.4	$258,845	4.4	2.3
United Community Bank	Perham	$234,829	$854	0.8	13.0	$131,091	2.0	0.0
United Farmers & Merchants State Bank	Morris	$37,055	$68	0.4	12.7	$14,686	0.4	0.0
United Minnesota Bank	New London	$23,524	$129	1.1	12.4	$17,764	0.7	0.1
United Prairie Bank	Mountain Lake	$565,601	$2,435	0.9	10.5	$398,209	0.7	0.0
United Southwest Bank	Cottonwood	$42,984	$93	0.4	14.3	$15,736	0.3	0.0
Unity Bank	Rush City	$183,057	$1,228	1.3	11.0	$146,153	0.7	0.1
Unity Bank North	Red Lake Falls	$74,136	$481	1.3	15.0	$51,276	0.8	0.1
University National Bank	St. Paul	$251,445	$6,426	3.0	21.7	$117,358	4.2	0.4
Venture Bank	Bloomington	$323,465	$3,721	2.3	10.0	$267,717	1.1	0.2
Vergas State Bank	Vergas	$47,973	$145	0.6	27.3	$18,107	0.7	0.0
Vermillion State Bank	Vermillion	$491,040	$5,491	2.2	18.3	$284,640	0.4	0.4
Viking Savings Bank	Alexandria	$156,990	$1,461	1.8	16.0	$107,975	2.1	0.0
Village Bank	Saint Francis	$190,715	-$1,467	-1.4	5.3	$127,728	8.9	4.9
VisionBank	Saint Louis Park	$31,379	$70	0.4	14.5	$25,231	2.6	-0.2
Voyager Bank	Eden Prairie	$350,402	$1,257	0.7	9.6	$283,288	2.4	0.3
Wadena State Bank	Wadena	$118,117	$1,067	1.8	18.8	$65,597	0.4	0.0
Welcome State Bank	Welcome	$25,271	$236	1.9	13.9	$15,124	0.5	0.0
Wells Federal Bank	Wells	$252,350	$972	0.8	14.6	$162,296	2.8	0.1
Western Bank	St. Paul	$403,107	$3,482	1.8	17.0	$261,112	1.2	0.1
Western National Bank	Cass Lake	$32,206	$209	1.3	13.5	$21,382	0.2	0.1
Western National Bank	Duluth	$115,750	$802	1.4	10.9	$75,991	0.1	0.3
White Rock Bank	Cannon Falls	$144,761	$1,278	1.8	16.0	$89,789	1.4	0.1
Winona National Bank	Winona	$246,865	$1,726	1.3	17.0	$121,465	5.0	0.0
Winthrop State Bank	Winthrop	$22,265	$93	0.8	31.5	$4,471	0.0	0.0
Woodland Bank	Deer River	$63,671	$2,056	4.3	22.4	$46,080	4.4	0.6
Woodlands National Bank	Hinckley	$131,866	$387	0.6	18.5	$75,575	4.3	0.3
Worthington Federal Savings Bank, FSB	Worthington	$63,467	$203	0.6	35.0	$41,711	1.0	0.0

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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Minnesota Bank Performance: 2nd Quarter

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