🏦Bank Scorer

THE MINERS NATIONAL BANK OF EVELETH

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

Est. 1903FDIC #5,141
Outstanding Up

Current rating · Exam: February 2022

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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 1.06%

Institution Profile

FDIC BankFind

Address

401 Grant Ave, EVELETH, MN

County

St. Louis County

Established

October 10, 1903

Total Assets

$98M(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

February 7, 2022

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Feb 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$98M

Total Deposits

$86M

Net Loans

$66M

Net Income

$261K

ROA

1.06%

ROE

11.36%

Risk-Based Capital

21.18%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate8.89%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$78M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249071.11%8.89%
202311267.86%8.04%
202216972.19%5.33%
202122777.97%8.81%
202023185.28%4.33%
201912481.45%5.65%
201810974.31%11.93%

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 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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