🏦Bank Scorer

MINNESOTA NATIONAL BANK

SAUK CENTRE, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1902FDIC #5,249
Outstanding Same

Current rating · Exam: October 2020

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.54%

Institution Profile

FDIC BankFind

Address

131 12th St S, SAUK CENTRE, MN

County

Stearns County

Established

September 11, 1902

Total Assets

$286M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 5, 2020

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$286M

Total Deposits

$251M

Net Loans

$224M

Net Income

$1M

ROA

1.54%

ROE

15.04%

Risk-Based Capital

13.07%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.42%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$242M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411796.58%3.42%
202310498.08%0.00%
202213398.5%0.75%
202112298.36%0.82%
202010797.2%0.93%
20198397.59%1.20%
20188694.19%3.49%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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