Minster Bank (FDIC #763): Bank Stress & Real-Estate Credit Exposure

Minster Bank (FDIC Cert #763): bank stress 62/100, elevated, STABLE over 7 days; parent MINSTER FINANCIAL CORP.

Minster Bank (#763) lends in 4 counties across 1 state; Minster Bank (#763) reaches 83 ZIP codes: Ohio 4 counties, 83 ZIPs.

Minster Bank (#763) largest markets: Montgomery County, OH (42 branches, 42 ZIPs) (#763), Auglaize County, OH (72 branches, 18 ZIPs) (#763), Miami County, OH (18 branches, 18 ZIPs) (#763), Shelby County, OH (18 branches, 18 ZIPs) (#763).

Minster Bank (#763) reports $811.6 million in total assets; Minster Bank (#763) equity $72.2 million (8.9% of Minster Bank (#763) assets); Minster Bank (#763) domestic deposits $719.4 million; Minster Bank (#763) net income $6.6 million; Minster Bank (#763) return on assets 1.62%; Minster Bank (#763) return on equity 19.04%; Minster Bank (#763) net interest income $14.7 million; Minster Bank (#763) call report June 30, 2026.

Minster Bank (#763) noncurrent real-estate loans: none reported; Minster Bank (#763) net charge-offs on real estate 0.16%; Minster Bank (#763) residential charge-offs 0.36%.

Minster Bank (#763) net interest margin 3.80% against an eight-quarter Minster Bank (#763) average of 3.53% (Minster Bank (#763) compression -0.28 points); Minster Bank (#763) non-residential real estate 36.4% of equity; Minster Bank (#763) rate-exposure score 40/100, Minster Bank (#763) fixed-rate trap 40/100; Minster Bank (#763) risk type credit driven; Minster Bank (#763) rate regime rates elevated, Minster Bank (#763) snapshot October 19, 2026.

Minster Bank (#763) stress score moved from 64.1 on June 22, 2026 to 62.1 on October 19, 2026; Minster Bank (#763) ranged 62.1 to 64.1 over 116 snapshots.

Minster Bank (#763) alerts: 4 counties; top Minster Bank (#763) alert scores: Dayton County, OH 23 (low); Sidney County, OH 23 (low); Troy County, OH 23 (low); Wapakoneta County, OH 23 (low).