Minnesota bank performance: 2012

By: STAR TRIBUNE
Updated: February 27, 2013 - 12:42 PM

Nearly three-quarters of Minnesota’s 350-plus community banks saw profits rise in 2012 from 2011. Here’s a look at individual results for the full year. 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)	2012 4Q 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	$49,626	-$1,479	-2.7	0.8	$34,642	13.4	4.7
1st United Bank	Faribault	$141,587	$1,786	1.3	12.0	$77,174	1.0	0.3
21st Century Bank	Loretto	$357,409	$1,356	0.4	17.7	$267,225	1.4	1.9
Adrian State Bank	Adrian	$41,702	$247	0.7	13.6	$21,921	0.2	-0.1
Alliance Bank	Lake City	$606,646	$1,030	0.2	12.6	$453,270	4.7	1.3
Altura State Bank	Altura	$48,426	$924	2.0	23.3	$27,492	0.0	0.0
American Bank of St. Paul	Saint Paul	$361,194	-$4,887	-1.2	7.8	$163,930	7.0	2.4
American Bank of the North	Nashwauk	$591,125	-$5,645	-0.9	6.9	$448,384	9.7	3.2
American Heritage National Bank	Long Prairie	$231,392	$2,232	1.0	15.9	$157,883	0.4	0.0
American Investors Bank and Mortgage	Eden Prairie	$95,674	$700	0.8	15.1	$35,704	1.5	2.3
American National Bank of Minnesota	Baxter	$261,165	$313	0.1	15.1	$169,459	5.7	0.2
American State Bank of Erskine	Erskine	$24,369	$211	0.9	23.7	$11,005	0.0	0.0
American State Bank of Grygla	Grygla	$26,652	$406	1.6	17.0	$16,020	0.1	0.0
Americana Community Bank	Sleepy Eye	$126,142	-$107	-0.1	4.8	$71,503	0.2	0.8
Ameriprise Bank, FSB	Minneapolis	$220,293	-$21,323	-0.5	263.7	$0		12.3
Anchor Bank, National Association	Saint Paul	$1,394,029	$11,442	0.9	11.7	$923,541	1.4	1.0
Annandale State Bank	Annandale	$131,585	$1,069	0.9	14.4	$68,550	3.4	0.3
Arlington State Bank	Arlington	$54,928	$574	1.0	19.6	$22,898	2.8	0.0
Atwater State Bank	Atwater	$45,132	$290	0.7	13.6	$31,268	1.5	0.2
Avon State Bank	Avon	$110,958	$566	0.5	26.1	$48,634	2.3	0.0
Bank of Maple Plain	Maple Plain	$74,360	$796	1.2	25.2	$33,478	1.2	-0.2
Bank of Zumbrota	Zumbrota	$139,155	$2,005	1.5	14.1	$98,779	2.3	0.3
BankCherokee	Saint Paul	$240,191	$387	0.2	9.8	$153,729	2.5	0.3
BankVista	Sartell	$115,595	$1,152	1.0	11.5	$98,527	1.2	0.2
BANKWEST	Rockford	$103,996	$792	0.8	11.8	$74,844	3.2	0.4
Beacon Bank	Shorewood	$309,629	$2,501	0.8	15.7	$175,611	2.2	0.9
Blaine State Bank	Blaine	$36,138	-$324	-0.9	9.0	$23,990	1.3	0.2
Bonanza Valley State Bank	Brooten	$52,601	$393	0.8	10.3	$41,727	2.4	0.2
Border State Bank	Greenbush	$345,942	$2,172	0.6	10.9	$251,929	2.5	0.4
Boundary Waters Bank	Ely	$112,003	-$77	-0.1	4.8	$77,489	2.6	1.6
Brainerd Savings and Loan Association, A Federal Association	Brainerd	$64,548	$279	0.4	13.0	$45,451	3.7	-0.1
Bremer Bank, National Association	Saint Cloud	$681,534	$9,256	1.5	10.6	$509,893	1.4	0.1
Bremer Bank, National Association	International Fa	$121,579	$1,110	1.0	14.7	$51,315	0.3	0.0
Bremer Bank, National Association	Willmar	$649,160	$7,984	1.3	10.5	$474,572	1.3	0.2
BREMER BANK, NATIONAL ASSOCIATION	Alexandria	$655,798	$6,820	1.1	11.3	$433,894	1.6	0.1
Bremer Bank, National Association	Brainerd	$365,245	$3,196	0.9	12.0	$253,511	1.8	0.8
Bremer Bank, National Association	South St. Paul	$2,833,358	$24,045	0.9	10.7	$1,815,722	1.3	0.3
Bridgewater Bank	Bloomington	$459,843	$4,938	1.1	9.8	$373,444	1.1	1.1
Cambridge State Bank	Cambridge	$71,203	$373	0.5	17.1	$48,389	5.0	1.6
Capital Bank	St. Paul	$37,039	$281	0.8	14.4	$14,383	8.0	0.1
Castle Rock Bank	Castle Rock	$177,376	$2,396	1.5	23.5	$69,841	2.4	0.4
CenBank	Buffalo Lake	$56,675	$440	0.8	13.2	$31,266	0.1	0.0
Center National Bank	Litchfield	$191,685	$2,430	1.3	16.9	$76,647	1.1	0.5
Central Bank	Stillwater	$1,206,561	$19,379	1.7	13.9	$778,859	1.3	0.8
Choice Financial Savings Bank	Comfrey	$14,449	$55	0.4	20.8	$5,967	4.8	-1.3
Citizens Alliance Bank	Clara City	$469,296	$6,434	1.5	10.9	$310,842	1.2	0.2
Citizens Bank & Trust Co.	Hutchinson	$200,546	$2,491	1.3	13.6	$123,402	2.1	0.3
Citizens Bank Minnesota	New Ulm	$338,528	$3,327	1.0	13.3	$204,809	0.5	0.0
Citizens Independent Bank	Saint Louis Park	$296,870	$928	0.3	12.3	$200,517	2.7	0.6
Citizens State Bank Norwood Young America	Norwood Young Am	$80,716	$113	0.1	10.4	$58,555	3.1	0.2
Citizens State Bank of Glenville	Glenville	$43,651	$327	0.8	26.3	$12,459	0.0	0.0
Citizens State Bank of Hayfield	Hayfield	$75,115	$710	1.0	9.8	$56,985	0.6	0.1
Citizens State Bank of Roseau	Roseau	$198,494	$3,503	1.8	19.5	$86,333	0.6	0.0
Citizens State Bank of Tyler, Incorporated	Tyler	$19,676	$73	0.4	20.9	$5,169	4.5	0.3
Citizens State Bank of Waverly, Inc.	Waverly	$62,642	$0	0.0	14.3	$39,080	1.3	0.0
Clinton State Bank	Clinton	$66,859	$477	0.7	13.3	$43,258	1.3	0.0
Commerce Bank	Geneva	$168,629	$789	0.4	17.9	$121,871	8.4	1.9
Commercial Bank of Minnesota	Heron Lake	$32,659	-$573	-1.6	12.0	$19,724	1.8	0.0
Community Bank Corporation	Chaska	$157,825	$1,718	1.1	20.5	$96,971	2.9	0.4
Community Bank Mankato	Vernon Center	$203,624	$2,001	1.0	9.7	$159,821	0.4	0.5
Community Bank Owatonna	Owatonna	$54,902	$326	0.6	14.5	$31,628	0.5	0.8
Community Development Bank, FSB	Ogema	$73,265	$555	0.8	15.3	$44,223	4.1	0.6
Community Pride Bank	Isanti	$90,671	$646	0.7	15.8	$54,645	0.8	0.0
Community Resource Bank	Northfield	$229,521	$737	0.3	12.1	$141,083	2.9	1.4
Concorde Bank	Blomkest	$58,348	$331	0.6	11.4	$31,303	1.3	0.2
Cornerstone State Bank	Montgomery	$122,950	$1,032	0.9	10.6	$80,212	1.8	0.6
Crookston National Bank	Crookston	$61,085	$404	0.7	13.7	$31,682	0.0	0.0
Crow River State Bank	Delano	$84,887	$800	1.0	19.9	$28,587	0.3	0.4
Crown Bank	Edina	$199,770	-$2,496	-1.2	8.9	$160,374	2.3	2.3
Currie State Bank	Currie	$50,502	$618	1.3	10.3	$44,715	1.1	0.2
Drake Bank	Saint Paul	$80,313	$606	0.7	13.0	$70,141	2.4	1.0
Eagle Bank	Glenwood	$122,198	$1,618	1.4	22.2	$73,707	0.4	0.0
Eagle Community Bank	Maple Grove	$19,612	-$650	-3.2	7.2	$13,684	1.6	0.0
Eastwood Bank	Rochester	$574,497	$7,005	1.3	11.8	$356,236	1.5	0.3
Eitzen State Bank	Caledonia	$85,542	$1,486	1.8	14.0	$46,022	0.3	0.1
Elysian Bank	Elysian	$43,504	$439	1.0	18.8	$17,849	4.5	1.2
Equity Bank	Minnetonka	$49,239	$137	0.3	13.2	$41,768	3.9	0.0
Exchange State Bank	Luverne	$140,433	$1,734	1.3	11.9	$91,138	0.0	0.0
F & M Bank Minnesota	Clarkfield	$105,390	$911	0.9	10.7	$65,473	0.2	0.0
F & M Community Bank, National Association	Preston	$98,743	$1,753	1.8	13.3	$64,897	1.4	0.2
Falcon National Bank	Foley	$155,178	$1,728	1.3	12.9	$100,772	0.2	0.8
Farmers & Merchants State Bank of New York Mills, Incorporated	New York Mills	$57,530	$406	0.7	19.2	$28,397	1.0	-0.1
Farmers and Merchants State Bank	Paynesville	$26,842	$268	1.0	27.1	$7,409	0.2	-0.1
Farmers and Merchants State Bank of Alpha	Alpha	$32,540	$208	0.7	16.4	$21,244	1.7	-0.1
Farmers and Merchants State Bank of Appleton	Appleton	$44,850	$550	1.3	17.9	$27,627	0.8	0.0
Farmers and Merchants State Bank of Blooming Prairie	Blooming Prairie	$70,939	$1,070	1.5	11.5	$58,651	1.5	0.1
Farmers and Merchants State Bank of Pierz	Pierz	$173,874	$4,381	2.5	15.1	$113,140	0.6	0.4
Farmers and Merchants State Bank of Sacred Heart	Sacred Heart	$26,383	-$108	-0.4	17.7	$11,714	0.9	0.6
Farmers and Merchants State Bank of Springfield	Springfield	$122,775	$563	0.5	9.9	$79,038	1.1	0.1
Farmers State Bank of Adams, Minnesota	Adams	$84,102	$1,858	2.3	13.3	$62,884	0.0	0.0
Farmers State Bank of Darwin	Darwin	$35,198	$306	0.9	12.6	$11,976	0.7	0.1
Farmers State Bank of Elkton	Elkton	$50,841	$473	1.0	14.2	$24,686	0.7	0.6
Farmers State Bank of Hamel	Hamel	$92,129	$630	0.7	24.7	$33,289	0.0	0.0
Farmers State Bank of Hartland	Hartland	$97,869	$1,010	1.1	11.1	$72,981	0.5	0.3
Farmers State Bank of Hoffman	Hoffman	$28,339	$450	1.6	21.8	$12,067	0.1	0.0
Farmers State Bank of Madelia, Incorporated	Madelia	$64,977	$703	1.1	17.9	$34,924	0.5	0.2
Farmers State Bank of Trimont	Trimont	$68,109	$641	1.1	16.6	$38,012	0.3	0.0
Farmers State Bank of Underwood	Underwood	$47,497	$831	1.8	12.3	$36,516	0.1	0.0
Farmers State Bank of Watkins	Watkins	$39,101	$613	1.6	21.6	$18,316	0.5	0.1
Farmers State Bank of West Concord	West Concord	$47,224	$333	0.7	18.4	$23,203	2.2	0.0
Fidelity Bank	Edina	$522,893	$10,021	2.3	14.5	$423,655	0.1	0.3
Financial Security Bank	Kerkhoven	$55,195	$852	1.6	16.0	$45,986	0.7	0.2
First Advantage Bank	Coon Rapids	$59,580	$153	0.2	16.7	$30,304	0.2	0.2
First Bank & Trust, National Association	Pipestone	$194,563	$1,935	1.1	10.7	$122,161	1.2	0.2
First Bank Blue Earth	Blue Earth	$181,488	$3,367	2.0	13.9	$122,966	1.4	0.0
First Community Bank Lester Prairie	Lester Prairie	$28,843	$293	1.0	14.5	$13,860	3.8	0.8
First Community Bank Silver Lake	Silver Lake	$25,886	$430	1.7	19.0	$9,412	0.0	0.0
First Farmers & Merchants National Bank	Le Sueur	$116,282	$1,617	1.5	13.2	$71,279	4.6	0.3
First Farmers & Merchants National Bank	Fairmont	$91,310	$1,775	2.0	14.0	$77,531	2.8	0.0
First Farmers & Merchants State Bank	Brownsdale	$84,675	$908	1.1	17.6	$49,029	1.2	0.6
First Farmers & Merchants State Bank of Grand Meadow	Grand Meadow	$44,839	$306	0.7	15.8	$27,205	3.1	-0.3
First Farmers and Merchants National Bank	Luverne	$158,623	$3,008	2.0	15.7	$112,109	0.3	0.0
First Financial Bank	Twin Valley	$16,382	$29	0.2	33.2	$4,218	1.7	-0.1
First Financial Bank in Winnebago	Winnebago	$43,131	$840	2.0	19.2	$29,487	3.1	0.0
First Independent Bank	Russell	$226,138	$1,955	0.9	11.1	$147,423	0.9	0.2
First Minnesota Bank	Minnetonka	$398,820	$870	0.2	21.0	$120,049	0.7	0.6
First Minnetonka City Bank	Minnetonka	$198,914	$2,441	1.3	15.2	$102,454	1.6	0.7
First National Bank	Chisholm	$86,088	$587	0.7	17.4	$16,424	1.4	0.8
First National Bank	Slayton	$208,895	$1,148	0.6	11.5	$126,329	1.0	0.0
First National Bank in Mahnomen	Mahnomen	$75,435	$974	1.3	16.4	$39,306	0.8	-0.3
First National Bank Minnesota	St. Peter	$218,653	$589	0.3	15.5	$109,126	3.0	-0.2
First National Bank of Menahga & Sebeka	Menahga	$84,204	$978	1.2	23.5	$41,307	1.5	0.7
First National Bank of the Lakes	Navarre	$66,668	$57	0.1	19.9	$24,856	3.5	0.6
First Resource Bank	Savage	$89,394	$2,213	2.8	33.1	$37,194	1.2	0.2
First Security Bank	Byron	$51,132	$373	0.7	12.7	$34,033	0.8	0.2
First Security Bank - Canby.	Canby	$63,172	$1,148	1.9	16.8	$31,531	1.1	0.0
First Security Bank - Sleepy Eye	Sleepy Eye	$206,247	$3,928	2.0	13.0	$130,994	1.1	0.0
First Security Bank-Hendricks	Hendricks	$20,122	$317	1.6	20.5	$9,354	0.0	0.0
First Southeast Bank	Harmony	$91,731	$1,357	1.6	10.8	$69,669	0.5	0.1
First State Bank and Trust	Bayport	$212,030	$1,611	0.8	12.6	$130,940	0.3	0.5
First State Bank Minnesota	Le Roy	$66,318	$647	1.0	14.7	$32,964	0.0	0.1
First State Bank of Ashby	Ashby	$32,772	$144	0.5	15.0	$16,233	1.0	0.1
First State Bank of Bigfork	Bigfork	$64,572	$239	0.4	17.2	$43,951	8.0	0.1
First State Bank of Clearbrook	Clearbrook	$39,636	$425	1.2	16.9	$17,174	0.5	0.0
First State Bank of Fertile	Fertile	$38,970	$222	0.6	26.9	$14,079	0.4	0.0
First State Bank of Fountain	Fountain	$35,777	$115	0.3	19.7	$17,400	0.8	0.0
First State Bank of Grove City	Grove City	$22,788	$338	1.5	33.0	$13,527	2.4	0.8
First State Bank of Kiester	Kiester	$18,410	-$55	-0.3	10.4	$12,003	4.5	0.5
First State Bank of Le Center	Le Center	$71,834	$996	1.4	14.5	$41,195	0.4	0.1
First State Bank of Murdock	Murdock	$10,642	-$49	-0.5	14.8	$5,045	0.8	0.0
First State Bank of Okabena (Incorporated)	Okabena	$19,455	-$22	-0.1	35.8	$7,074	0.1	-0.6
First State Bank of Sauk Centre	Sauk Centre	$108,233	$1,085	1.0	24.6	$45,764	3.0	0.0
First State Bank of Swanville	Swanville	$30,257	$39	0.1	14.6	$18,654	2.1	1.8
First State Bank of Wabasha	Wabasha	$121,198	$1,118	1.0	21.0	$37,988	1.9	1.1
First State Bank of Wyoming	Wyoming	$148,330	$1,186	0.8	27.5	$57,857	4.9	0.2
First State Bank Southwest	Pipestone	$238,416	$4,534	2.1	15.1	$117,545	0.0	0.0
Flagship Bank Minnesota	Wayzata	$90,032	$201	0.2	6.2	$61,239	3.7	0.7
Flagship Bank Winsted	Winsted	$39,095	-$307	-0.8	14.4	$19,470	1.5	0.4
Frandsen Bank & Trust	Lonsdale	$1,553,174	$19,901	1.3	13.3	$799,907	2.5	0.4
Franklin National Bank of Minneapolis	Minneapolis	$152,798	$2,421	1.6	17.9	$109,714	0.6	-0.2
Franklin State Bank	Franklin	$28,804	$210	0.8	19.9	$15,948	0.1	0.0
Freeport State Bank	Freeport	$91,564	$851	0.9	11.8	$69,721	0.1	0.0
Frost State Bank	Frost	$37,877	$508	1.5	10.9	$33,713	1.0	0.2
Gateway Bank	Mendota Heights	$105,627	$1,653	1.6	12.4	$83,552	0.0	0.1
Glenwood State Bank (Incorporated)	Glenwood	$203,769	$2,347	1.2	11.0	$171,969	0.7	0.2
Grand Marais State Bank	Grand Marais	$79,712	$1,395	1.8	14.3	$42,904	0.0	0.1
Grand Rapids State Bank	Grand Rapids	$243,048	$2,739	1.1	18.3	$117,217	0.3	0.3
Grand Timber Bank	Mcgregor	$41,404	$532	1.3	17.5	$28,927	4.7	0.6
Granite Falls Bank	Granite Falls	$183,694	$3,209	1.7	15.5	$65,246	0.4	0.1
Great Northern Bank	Saint Michael	$71,952	$415	0.6	9.5	$42,234	1.1	0.7
Heritage Bank National Association	Spicer	$447,183	$6,466	1.4	14.0	$281,995	0.9	0.2
Highland Bank	Saint Michael	$465,197	$3,749	0.8	13.7	$226,910	2.1	0.6
Home Federal Savings Bank	Rochester	$653,019	$6,229	0.9	14.2	$456,291	7.8	0.9
Home State Bank	Litchfield	$143,301	$1,771	1.3	16.6	$71,107	1.5	-0.2
HomeTown Bank	Redwood Falls	$205,184	$2,637	1.3	14.3	$135,221	0.2	0.1
Hometown Community Bank	Cyrus	$25,228	$22	0.1	12.9	$14,973	4.2	0.3
Integrity Bank Plus	Wabasso	$60,067	$791	1.4	11.2	$44,605	1.3	-0.1
Jackson Federal Savings and Loan Association	Jackson	$37,704	$489	1.3	37.8	$15,339	0.0	0.0
Janesville State Bank	Janesville	$61,635	$785	1.4	17.0	$32,445	0.0	0.0
Kanabec State Bank	Mora	$151,358	$763	0.5	27.8	$45,481	3.2	0.6
Kasson State Bank	Kasson	$66,154	$343	0.6	11.5	$35,200	0.9	0.4
Kensington Bank	Kensington	$110,581	-$161	-0.2	11.1	$71,320	3.3	0.1
Key Community Bank	Inver Grove Heig	$45,941	-$1,627	-3.1	9.1	$26,443	4.8	2.8
KleinBank	Big Lake	$1,653,311	$11,764	0.8	14.7	$664,741	1.2	0.9
Lake Area Bank	Lindstrom	$276,313	-$640	-0.2	11.8	$174,228	9.8	2.1
Lake City Federal Bank	Lake City	$76,929	$88	0.1	14.2	$52,049	7.0	0.1
Lake Community Bank	Long Lake	$131,105	$361	0.3	13.9	$78,451	5.8	0.6
Lake Country Community Bank	Morristown	$30,035	$57	0.2	8.9	$16,903	1.6	1.4
Lake Elmo Bank	Lake Elmo	$300,935	$1,407	0.5	14.3	$161,493	0.7	0.4
Lake Region Bank	New London	$105,946	$1,140	1.1	13.5	$50,382	3.4	0.1
Lakes State Bank	Pequot Lakes	$113,220	$1,423	1.3	15.5	$67,898	0.6	0.4
Lakeview Bank	Lakeville	$52,931	$185	0.4	11.6	$38,121	4.4	0.6
Landmark Community Bank, National Association	Isanti	$98,099	-$186	-0.2	9.7	$64,452	1.6	1.3
Liberty Savings Bank fsb	Saint Cloud	$185,148	$2,875	1.7	18.1	$101,078	0.0	0.5
Lowry State Bank	Lowry	$40,715	$907	2.3	10.6	$36,261	2.9	0.1
Maple Bank	Champlin	$58,369	-$514	-0.9	11.3	$42,123	2.4	1.4
Marshall County State Bank	Newfolden	$33,927	$267	0.9	43.6	$9,897	0.1	0.0
Merchants Bank, National Association	Winona	$1,281,268	$16,898	1.3	12.5	$865,847	1.2	0.1
Mid-Central Federal Savings Bank	Wadena	$99,168	$808	0.8	13.9	$79,212	0.7	0.5
Midwest Bank	Detroit Lakes	$328,539	$7,078	2.3	10.4	$277,717	0.2	0.0
Mills Resolute Bank	Sanborn	$23,938	$227	1.0	10.1	$19,585	0.4	0.2
Minnesota Bank & Trust	Edina	$126,421	$303	0.3	13.1	$95,241	0.0	0.0
Minnesota First Credit and Savings, Incorporated	Rochester	$29,507	$202	0.7	16.1	$26,578	1.1	0.8
Minnesota National Bank	Sauk Centre	$236,583	$2,322	1.1	13.9	$110,054	0.7	0.1
Minnstar Bank National Association	Lake Crystal	$117,929	$532	0.5	12.5	$70,645	3.4	0.2
Minnwest Bank Central	Montevideo	$315,743	$3,453	1.1	11.4	$254,935	0.3	0.0
Minnwest Bank Luverne	Luverne	$168,885	$1,335	0.8	12.1	$116,630	0.5	0.0
Minnwest Bank Metro	Eagan	$242,722	-$832	-0.4	12.9	$148,213	2.8	0.4
Minnwest Bank South	Tracy	$232,715	$825	0.4	12.4	$149,734	0.2	-0.2
Minnwest Bank, M.V.	Redwood Falls	$497,541	$5,656	1.1	11.5	$407,180	0.6	-0.1
Neighborhood National Bank	Alexandria	$46,611	$136	0.3	15.6	$26,010	3.3	1.1
New Market Bank	Elko New Market	$87,693	$110	0.1	14.9	$45,735	2.8	0.6
North American Banking Company	Roseville	$283,280	$1,805	0.7	12.3	$201,333	0.6	0.2
North American State Bank	Belgrade	$107,534	-$540	-0.5	15.4	$51,223	6.1	0.2
North Shore Bank of Commerce	Duluth	$236,603	$2,623	1.1	10.4	$170,641	1.6	0.1
North Star Bank	Roseville	$247,829	$678	0.3	12.9	$109,547	3.9	0.2
Northeast Bank	Minneapolis	$343,081	$2,707	0.8	13.9	$259,744	4.8	0.3
Northern Star Bank	Mankato	$27,314	-$242	-0.9	5.4	$18,097	0.2	0.3
Northern State Bank of Thief River Falls	Thief River Fall	$282,255	$2,419	0.9	23.5	$113,076	1.5	-0.2
Northern State Bank of Virginia	Virginia	$61,494	$104	0.2	11.6	$39,119	0.0	0.2
Northview Bank	Sandstone	$229,613	$2,449	1.1	11.6	$168,228	1.3	0.2
Northwestern Bank, National Association	Dilworth	$136,855	$726	0.5	14.2	$80,980	2.4	0.2
Northwoods Bank of Minnesota	Park Rapids	$110,132	$867	0.8	15.9	$55,403	10.2	0.9
Odin State Bank	Odin	$40,330	$518	1.4	16.6	$25,076	0.7	0.4
Olmsted National Bank	Rochester	$56,069	-$46	-0.1	11.7	$35,333	0.3	0.1
Ormsby State Bank	Ormsby	$26,729	$420	1.6	20.1	$11,070	2.2	0.0
Paragon Bank	Wells	$33,854	$158	0.5	10.6	$24,361	1.1	0.2
Park Midway Bank, National Association	Saint Paul	$259,118	$6,082	2.4	16.4	$188,723	1.4	0.2
Park State Bank	Duluth	$30,173	-$100	-0.3	9.7	$18,850	0.5	0.1
Peoples Bank of Commerce	Cambridge	$279,886	$3,864	1.3	17.9	$164,094	7.6	0.5
Peoples National Bank of Mora	Mora	$161,099	$1,233	0.8	17.1	$76,959	5.1	0.4
Peoples State Bank of Madison Lake	Madison Lake	$23,447	$39	0.2	12.6	$13,655	3.6	1.5
Peoples State Bank of Plainview	Plainview	$185,527	$2,368	1.3	13.6	$111,212	1.2	0.3
Peoples State Bank of Wells	Wells	$29,723	$402	1.4	13.5	$22,358	0.4	0.0
Pine Country Bank	Little Falls	$159,255	$1,164	0.7	11.4	$89,309	0.9	0.3
Pine Island Bank	Pine Island	$73,735	$721	1.0	12.8	$40,903	1.1	0.0
Pine River State Bank	Pine River	$99,364	$597	0.6	16.1	$48,564	1.2	0.1
Pioneer Bank	Mapleton	$289,550	$3,268	1.2	11.2	$228,580	1.2	0.0
Platinum Bank	Oakdale	$155,722	$1,459	1.0	14.9	$95,529	1.1	0.1
Plaza Park State Bank	Waite Park	$173,270	$2,485	1.5	11.8	$134,047	4.6	0.2
Prairie Sun Bank	Milan	$33,209	$608	1.9	10.1	$19,521	1.4	0.1
Premier Bank	Maplewood	$558,366	$3,420	0.6	9.2	$388,033	2.6	0.5
Premier Bank Minnesota	Farmington	$174,837	$1,083	0.6	10.7	$114,470	1.1	0.9
Premier Bank Rochester	Rochester	$144,943	$1,182	0.8	10.7	$103,643	0.2	0.4
Prime Security Bank	Karlstad	$62,897	-$198	-0.3	8.8	$40,015	2.0	0.5
PrinsBank	Prinsburg	$122,131	$2,399	2.1	10.6	$85,277	3.5	1.2
Prior Lake State Bank	Prior Lake	$205,343	$3,233	1.7	20.9	$100,816	1.9	-0.2
Private Bank Minnesota	Minneapolis	$149,877	-$69	0.0	11.8	$114,457	3.3	1.8
Produce State Bank	Hollandale	$42,998	$524	1.3	17.3	$23,907	2.3	0.0
Profinium Financial, Inc.	Truman	$319,575	$2,005	0.6	11.7	$208,119	2.1	0.3
ProGrowth Bank	Nicollet	$150,683	$529	0.4	14.1	$67,727	3.2	0.9
Provincial Bank	Lakeville	$76,882	$1,495	2.0	15.1	$55,201	1.1	0.5
Randall State Bank	Randall	$35,364	$564	1.6	24.0	$20,067	3.0	0.4
Red River State Bank	Halstad	$50,698	$876	1.8	12.5	$40,335	0.7	0.1
Reliance Bank	Faribault	$68,928	$721	1.1	13.9	$47,576	1.0	1.0
Republic Bank, Inc.	Duluth	$303,310	$3,706	1.2	11.7	$261,372	1.0	0.3
Riverland Bank	Jordan	$35,454	-$463	-1.5	8.4	$22,323	1.5	1.1
RiverWood Bank	Baxter	$163,683	$159	0.1	10.8	$114,039	3.9	0.6
RiverWood Bank	Bemidji	$153,880	$384	0.2	12.4	$107,064	3.8	0.3
Root River State Bank	Chatfield	$70,097	$235	0.4	18.8	$33,553	1.2	0.1
Roundbank	Waseca	$298,103	$5,192	1.8	13.2	$199,673	3.9	0.7
Rushford State Bank (Incorporated)	Rushford	$57,869	$448	0.9	10.1	$32,624	1.2	0.2
Security Bank & Trust Company	Glencoe	$242,727	$3,433	1.4	13.1	$134,752	0.6	0.3
Security Bank Minnesota	Albert Lea	$96,734	$1,540	1.6	15.2	$63,071	0.0	0.4
Security Bank USA	Bemidji	$109,380	$1,489	1.4	10.1	$82,275	1.6	0.1
Security Bank Waconia	Waconia	$178,074	$1,952	1.1	14.7	$90,956	0.4	0.2
Security State Bank of Aitkin	Aitkin	$88,988	$115	0.1	14.3	$54,120	0.8	2.3
Security State Bank of Fergus Falls	Fergus Falls	$149,276	$426	0.3	12.5	$92,543	0.7	0.0
Security State Bank of Hibbing	Hibbing	$112,280	$655	0.6	16.7	$47,685	4.8	0.0
Security State Bank of Kenyon	Kenyon	$55,218	$228	0.4	11.2	$40,467	10.0	0.1
Security State Bank of Lewiston	Lewiston	$67,397	-$328	-0.5	12.1	$33,434	0.6	1.4
Security State Bank of Marine	Marine On St. Cr	$114,062	$678	0.6	17.0	$73,248	0.6	0.7
Security State Bank of Oklee	Oklee	$30,601	$217	0.7	39.5	$8,127	0.0	0.0
Security State Bank of Wanamingo	Wanamingo	$75,027	$960	1.3	13.1	$45,555	0.6	0.3
Security State Bank of Warroad	Warroad	$91,622	$180	0.2	27.4	$44,049	5.3	0.8
Sentry Bank	Saint Joseph	$165,872	$2,315	1.4	15.2	$82,788	0.7	1.5
Sherburne State Bank	Becker	$81,787	$817	1.1	15.7	$39,435	0.9	0.5
Signature Bank	Minnetonka	$228,877	$2,287	1.1	11.9	$161,994	1.6	0.5
St James Federal Savings and Loan Association	Saint James	$29,386	$148	0.5	13.2	$19,488	0.7	0.1
St. Clair State Bank (Incorporated)	Saint Clair	$75,938	$669	0.9	17.3	$50,916	0.0	0.0
St. Martin National Bank	Saint Martin	$19,410	$264	1.4	24.0	$9,947	0.0	0.0
Star Bank	Bertha	$220,797	$2,554	1.5	10.5	$148,140	0.3	0.0
State Bank in Eden Valley	Eden Valley	$29,880	$505	1.8	16.4	$14,830	0.5	0.0
State Bank of Belle Plaine	Belle Plaine	$105,753	$822	0.8	21.4	$36,976	2.3	0.1
State Bank of Bellingham	Bellingham	$37,303	$565	1.6	10.9	$33,424	0.0	0.0
State Bank of Ceylon	Ceylon	$12,074	$13	0.1	22.6	$4,607	1.9	0.2
State Bank of Chandler	Chandler	$42,605	$400	1.0	16.2	$23,743	0.0	-0.1
State Bank of Clarks Grove	Albert Lea	$26,018	$17	0.1	21.4	$7,587	1.3	-0.1
State Bank of Cold Spring	Cold Spring	$53,315	$285	0.6	15.8	$29,039	1.8	-0.3
State Bank of Danvers	Benson	$45,151	$460	1.1	16.8	$25,182	0.1	-0.1
State Bank of Delano	Delano	$79,092	-$215	-0.3	7.9	$41,034	7.5	1.3
State Bank of Easton	Easton	$21,937	$85	0.4	16.1	$12,987	4.2	0.1
State Bank of Fairmont	Fairmont	$100,759	$1,203	1.2	13.3	$71,324	2.2	0.4
State Bank of Gibbon	Gibbon	$25,882	$321	1.3	13.4	$13,450	0.4	0.0
State Bank of Hamburg	Hamburg	$22,277	$42	0.2	16.7	$9,707	0.3	0.2
State Bank of Hawley	Hawley	$94,182	$1,185	1.3	15.4	$51,010	0.4	0.0
State Bank of Jeffers	Jeffers	$23,171	$90	0.4	19.2	$13,478	0.0	-0.1
State Bank of Kimball	Kimball	$84,869	$1,296	1.7	14.5	$49,057	0.7	0.0
State Bank of Lake Park	Lake Park	$35,629	$530	1.5	14.1	$18,085	0.7	0.0
State Bank of Lismore	Lismore	$42,706	$445	1.1	11.2	$36,581	0.0	0.0
State Bank of Marietta	Marietta	$13,235	$157	1.3	11.1	$5,351	0.4	-0.1
State Bank of New Prague	New Prague	$114,586	$2,289	1.9	20.0	$41,433	7.5	1.1
State Bank of New Richland	New Richland	$97,030	$2,425	2.6	11.3	$73,287	0.9	0.0
State Bank of Park Rapids	Park Rapids	$89,917	$1,241	1.4	17.1	$43,613	4.4	0.1
State Bank of Richmond	Richmond	$82,410	$748	0.9	17.3	$33,703	0.3	-0.2
State Bank of Taunton	Taunton	$69,184	$545	0.8	10.8	$45,663	0.1	0.4
State Bank of Wheaton	Wheaton	$73,541	$1,008	1.5	26.5	$50,234	1.5	0.0
Stearns Bank Holdingford National Association	Holdingford	$112,532	$2,072	1.9	13.5	$96,555	0.1	0.4
Stearns Bank National Association	Saint Cloud	$1,389,261	$58,876	4.5	22.9	$1,037,413	1.2	0.6
Stearns Bank Upsala National Association	Upsala	$84,147	$915	1.1	13.0	$69,868	0.0	0.5
Sterling State Bank	Austin	$303,162	$1,009	0.3	12.4	$173,281	1.8	-0.1
Stonebridge Bank	Minneapolis	$140,864	$622	0.5	10.0	$91,796	0.3	0.1
Summit Community Bank	Maplewood	$60,568	$1,232	2.0	22.8	$44,230	0.6	1.1
The Bank of Elk River	Elk River	$363,533	$1,035	0.3	8.1	$228,118	3.7	1.4
The Buffalo Ridge Bank	Beardsley	$49,153	$947	2.1	10.7	$28,608	0.0	0.0
The Business Bank	Minnetonka	$215,184	$3,283	1.7	12.0	$188,036	0.6	0.2
The Citizens National Bank of Park Rapids	Park Rapids	$213,870	$3,453	1.7	14.9	$137,444	1.4	0.1
The Citizens State Bank of Olivia	Olivia	$27,345	-$97	-0.4	14.0	$9,841	4.7	1.0
The First National Bank at St. James	Saint James	$28,721	$61	0.2	14.3	$16,164	3.7	0.0
The First National Bank in Wadena	Wadena	$55,185	$333	0.6	15.9	$25,679	0.7	0.1
The First National Bank of Bagley	Bagley	$81,955	$536	0.7	12.7	$40,420	0.9	0.1
The First National Bank of Battle Lake	Battle Lake	$70,219	$1,027	1.5	18.4	$30,456	0.4	0.2
The First National Bank of Bemidji	Bemidji	$601,175	$9,007	1.6	21.3	$282,474	0.8	0.1
The First National Bank of Buhl	Buhl	$23,900	-$14	-0.1	11.0	$16,844	5.5	0.0
The First National Bank of Cokato	Cokato	$43,725	$175	0.4	13.7	$22,083	0.2	0.1
The First National Bank of Cold Spring	Cold Spring	$77,663	$768	1.0	14.2	$55,439	0.3	0.2
The First National Bank of Coleraine	Coleraine	$78,147	$410	0.5	16.3	$24,020	0.3	0.0
The First National Bank of Deerwood	Deerwood	$260,296	$2,836	1.2	14.1	$163,106	4.6	0.1
The First National Bank of Elk River	Elk River	$253,038	$1,037	0.4	17.4	$123,615	4.8	1.1
The First National Bank of Fairfax	Fairfax	$28,747	$140	0.5	36.4	$20,699	12.5	0.0
The First National Bank of Gilbert	Gilbert	$31,572	$45	0.2	25.3	$13,328	3.8	-0.1
The First National Bank of Henning	Ottertail	$100,955	$1,619	1.6	14.3	$65,308	0.3	0.1
The First National Bank of Herman	Herman	$30,012	$161	0.6	22.1	$7,587	0.0	0.0
The First National Bank of Le Center	Le Center	$85,587	$919	1.2	16.5	$52,479	0.8	0.0
The First National Bank of McIntosh	Mcintosh	$26,950	$125	0.5	51.6	$9,946	0.0	-0.2
The First National Bank of Milaca	Milaca	$175,179	$2,422	1.4	21.6	$98,289	2.5	0.6
The First National Bank of Moose Lake	Moose Lake	$74,509	$1,189	1.7	15.8	$54,515	2.0	0.2
The First National Bank of Northfield	Northfield	$138,268	$959	0.7	14.0	$86,727	1.0	0.2
The First National Bank of Osakis	Osakis	$65,102	$1,107	1.7	20.0	$38,074	2.5	0.4
The First National Bank of Plainview	Plainview	$149,204	$1,583	1.1	11.5	$125,305	1.5	0.0
The First National Bank of Proctor	Proctor	$23,686	-$19	-0.1	20.1	$11,484	0.2	0.3
The First National Bank of Starbuck	Starbuck	$22,316	$251	1.1	28.1	$9,640	0.0	0.0
The First National Bank of Walker	Walker	$359,112	$5,042	1.5	14.1	$210,611	1.6	0.2
The First National Bank of Waseca	Waseca	$113,211	$2,382	2.1	8.9	$87,359	0.9	0.0
The First State Bank of Red Wing	Red Wing	$73,830	$310	0.4	20.3	$18,727	6.5	0.7
The First State Bank of Rosemount	Rosemount	$65,570	-$499	-0.8	16.5	$20,610	6.1	3.2
The Gary State Bank	Gary	$12,002	$327	2.8	20.5	$9,226	1.0	0.0
The Lake Bank	Two Harbors	$101,236	$378	0.4	14.7	$67,400	2.7	1.7
The Miners National Bank of Eveleth	Eveleth	$60,180	$123	0.2	21.5	$17,976	0.6	0.1
The Nicollet County Bank of Saint Peter	Saint Peter	$164,679	$1,063	0.7	14.2	$75,651	1.2	0.0
The Northern State Bank of Gonvick	Gonvick	$37,010	-$8	0.0	62.5	$5,704	0.8	0.4
The Pioneer National Bank of Duluth	Duluth	$81,372	$361	0.4	14.5	$56,928	0.1	1.4
The State Bank of Faribault	Faribault	$188,378	$1,228	0.7	14.2	$86,016	1.5	1.0
The Wanda State Bank	Wanda	$131,180	$920	0.7	23.2	$61,946	0.1	0.0
Think Mutual Bank	Rochester	$1,453,067	$6,540	0.4	28.6	$803,049	0.6	0.3
Tradition Capital Bank	Edina	$246,840	$2,615	1.2	10.8	$201,229	1.0	0.4
Triumph State Bank	Trimont	$61,740	-$77	-0.1	11.3	$37,180	1.3	3.0
Ultima Bank Minnesota	Winger	$136,605	$3,102	2.4	10.2	$127,924	1.4	0.0
Union Bank and Trust Company	Minneapolis	$76,183	$213	0.3	30.5	$26,553	0.7	0.6
Union State Bank of Browns Valley	Browns Valley	$23,199	$298	1.4	21.8	$9,015	1.9	0.0
United Bankers' Bank	Bloomington	$702,581	$5,999	1.0	15.9	$284,135	3.5	1.0
United Community Bank	Perham	$246,270	$2,541	1.1	13.4	$136,607	1.3	0.2
United Farmers & Merchants State Bank	Morris	$43,377	$255	0.7	12.4	$15,880	0.3	0.0
United Minnesota Bank	New London	$25,310	$129	0.5	11.5	$18,472	2.0	0.1
United Prairie Bank	Mountain Lake	$586,284	$4,861	0.8	10.5	$418,400	0.3	0.3
United Southwest Bank	Cottonwood	$49,112	$193	0.4	12.7	$18,751	1.8	0.0
Unity Bank	Rush City	$185,857	$2,851	1.5	11.8	$143,351	0.6	0.3
Unity Bank North	Red Lake Falls	$73,108	$1,054	1.4	15.1	$51,610	0.1	0.1
University National Bank	St. Paul	$340,889	$7,706	2.1	16.8	$135,401	2.1	0.4
Vantage Bank	Kent	$10,566	-$39	-0.5	12.8	$7,061	0.0	0.0
Venture Bank	Minneapolis	$362,472	$7,277	2.2	10.2	$282,662	0.6	0.3
Vergas State Bank	Vergas	$47,358	$269	0.6	27.4	$18,675	0.5	0.1
Vermillion State Bank	Vermillion	$495,339	$10,720	2.2	18.5	$278,662	0.4	0.0
Viking Savings Bank	Alexandria	$161,716	$3,188	2.0	17.9	$105,957	2.3	-0.1
Village Bank	Saint Francis	$174,596	-$1,419	-0.7	6.1	$113,479	12.8	4.0
VisionBank	Saint Louis Park	$31,332	$113	0.4	15.2	$25,064	0.8	0.9
Voyager Bank	Eden Prairie	$362,606	$1,403	0.4	9.9	$267,508	2.4	0.3
Wadena State Bank	Wadena	$128,684	$1,827	1.5	19.2	$63,736	1.2	0.0
Welcome State Bank	Welcome	$27,250	$418	1.7	13.4	$16,520	0.8	-0.1
Wells Federal Bank	Wells	$244,210	$1,642	0.7	15.2	$164,813	2.4	1.1
Western Bank	St. Paul	$443,283	$576	0.1	19.2	$249,564	0.3	0.0
Western National Bank	Cass Lake	$31,081	$403	1.2	14.5	$20,289	0.0	0.2
Western National Bank	Duluth	$129,133	$1,502	1.2	11.8	$71,447	0.1	0.3
White Rock Bank	Cannon Falls	$153,042	$2,618	1.8	15.2	$90,319	0.3	0.0
Winona National Bank	Winona	$257,690	$2,839	1.1	17.4	$118,812	4.6	0.0
Winthrop State Bank	Winthrop	$21,219	$94	0.4	34.2	$4,314	0.0	0.0
Woodland Bank	Deer River	$65,844	$2,003	2.4	20.3	$46,315	2.9	0.8
Woodlands National Bank	Hinckley	$132,246	$663	0.5	18.4	$80,990	2.7	0.5
Worthington Federal Savings Bank, FSB	Worthington	$65,234	$431	0.7	35.7	$42,656	0.2	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.
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: 2012

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