21st Century Bank (FDIC #9751): Bank Stress & Real-Estate Credit Exposure
21st Century Bank (FDIC Cert #9751): bank stress 67/100, elevated, STABLE over 7 days; parent CROSSTOWN HOLDING CO.
21st Century Bank (#9751) lends in 4 counties across 1 state; 21st Century Bank (#9751) reaches 133 ZIP codes: Minnesota 4 counties, 133 ZIPs.
21st Century Bank (#9751) largest markets: Hennepin County, MN (219 branches, 73 ZIPs) (#9751), Ramsey County, MN (27 branches, 27 ZIPs) (#9751), Dakota County, MN (22 branches, 22 ZIPs) (#9751), Anoka County, MN (60 branches, 20 ZIPs) (#9751).
21st Century Bank (#9751) reports $894.8 million in total assets; 21st Century Bank (#9751) equity $82.7 million (9.2% of 21st Century Bank (#9751) assets); 21st Century Bank (#9751) domestic deposits $658.8 million; 21st Century Bank (#9751) net income $5.8 million; 21st Century Bank (#9751) return on assets 1.31%; 21st Century Bank (#9751) return on equity 13.86%; 21st Century Bank (#9751) net interest income $15.7 million; 21st Century Bank (#9751) call report June 30, 2026.
21st Century Bank (#9751) noncurrent real-estate loans: none reported; 21st Century Bank (#9751) net charge-offs on real estate 0.11%; 21st Century Bank (#9751) residential charge-offs 0.10%.
21st Century Bank (#9751) net interest margin 3.63% against an eight-quarter 21st Century Bank (#9751) average of 3.14% (21st Century Bank (#9751) compression -0.49 points); 21st Century Bank (#9751) non-residential real estate 10.1% of equity; 21st Century Bank (#9751) rate-exposure score 40/100, 21st Century Bank (#9751) fixed-rate trap 40/100; 21st Century Bank (#9751) risk type credit driven; 21st Century Bank (#9751) rate regime rates elevated, 21st Century Bank (#9751) snapshot October 19, 2026.
21st Century Bank (#9751) stress score moved from 78.1 on June 22, 2026 to 67 on October 19, 2026; 21st Century Bank (#9751) ranged 67 to 78.1 over 116 snapshots.
21st Century Bank (#9751) alerts: 3 counties; top 21st Century Bank (#9751) alert scores: Minneapolis County, MN 24 (low); Rogers County, MN 24 (low); Saint Paul County, MN 24 (low).