Minnesota National Bank (FDIC #5249): Bank Stress & Real-Estate Credit Exposure
Minnesota National Bank (FDIC Cert #5249): bank stress 57/100, moderate, STABLE over 7 days; parent SAUK CTR FINL SERVICES INC.
Minnesota National Bank (#5249) lends in 3 counties across 1 state; Minnesota National Bank (#5249) reaches 80 ZIP codes: Minnesota 3 counties, 80 ZIPs.
Minnesota National Bank (#5249) largest markets: Otter Tail County, MN (34 branches, 34 ZIPs) (#5249), Stearns County, MN (33 branches, 33 ZIPs) (#5249), Todd County, MN (19 branches, 19 ZIPs) (#5249).
Minnesota National Bank (#5249) reports $298.4 million in total assets; Minnesota National Bank (#5249) equity $30.3 million (10.1% of Minnesota National Bank (#5249) assets); Minnesota National Bank (#5249) domestic deposits $253.9 million; Minnesota National Bank (#5249) net income $2.4 million; Minnesota National Bank (#5249) return on assets 1.66%; Minnesota National Bank (#5249) return on equity 16.20%; Minnesota National Bank (#5249) net interest income $6.0 million; Minnesota National Bank (#5249) call report June 30, 2026.
Minnesota National Bank (#5249) noncurrent real-estate loans: none reported; Minnesota National Bank (#5249) net charge-offs on real estate 0.55%.
Minnesota National Bank (#5249) net interest margin 4.41% against an eight-quarter Minnesota National Bank (#5249) average of 3.81% (Minnesota National Bank (#5249) compression -0.60 points); Minnesota National Bank (#5249) rate-exposure score 40/100, Minnesota National Bank (#5249) fixed-rate trap 40/100; Minnesota National Bank (#5249) risk type credit driven; Minnesota National Bank (#5249) rate regime rates elevated, Minnesota National Bank (#5249) snapshot October 19, 2026.
Minnesota National Bank (#5249) stress score moved from 57 on June 22, 2026 to 56.9 on October 20, 2026; Minnesota National Bank (#5249) ranged 56.9 to 57 over 117 snapshots.
Minnesota National Bank (#5249) alerts: 3 counties; top Minnesota National Bank (#5249) alert scores: Long Prairie County, MN 21 (low); Pelican Rapids County, MN 21 (low); Sauk Centre County, MN 21 (low).