TellerScore

Headquartered in Loretto, Minnesota, 21st Century Bank is a state-chartered bank with $894.8M in total assets and $658.8M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1917.

Based on its Q2 2026 filing, 21st Century Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 99th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is funding & liquidity (35/100; 101% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.66%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings73/100
Return on assets (annualized): 1.31%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 101.2% · 37.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.71%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (66 → 70), mostly because the earnings component improved by 18 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202463
Q4 202465
Q1 202564
Q2 202566
Q3 202567
Q4 202566
Q1 202661
Q2 202670
Tier 1 leverage ratio
5.00%8.16%11.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.29%
Q3 202411.32%
Q4 202411.08%
Q1 202510.75%
Q2 202510.62%
Q3 202510.66%
Q4 202510.70%
Q1 202610.43%
Q2 202610.66%
Noncurrent loans
0.09%0.28%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.48%
Q4 20240.21%
Q1 20250.29%
Q2 20250.24%
Q3 20250.23%
Q4 20250.38%
Q1 20260.38%
Q2 20260.19%
Return on assets
0.53%0.92%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.57%
Q4 20240.62%
Q1 20250.66%
Q2 20250.87%
Q3 20250.98%
Q4 20251.12%
Q1 20260.67%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$894.8M10.66%0.19%1.31%101.2%
Q1 202661$887.9M10.43%0.38%0.67%98.8%
Q4 202566$875.9M10.70%0.38%1.12%99.5%
Q3 202567$864.6M10.66%0.23%0.98%94.5%
Q2 202566$819.4M10.62%0.24%0.87%97.5%
Q1 202564$820.4M10.75%0.29%0.66%96.8%
Q4 202465$773.9M11.08%0.21%0.62%104.1%
Q3 202463$756.2M11.32%0.48%0.57%101.1%
Q2 202466$738.5M11.29%0.09%0.53%102.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.66%
44th
Total risk-based capital15.70%
72nd
Problem loans0.19%
66th
Net charge-offs0.10%
19th
Return on assets1.31%
54th
Net interest margin3.63%
34th
Efficiency ratio49.8%
83rd
Loans to deposits101.2%
9th
Uninsured deposits37.1%
14th
Loan-loss reserves0.90%
18th
Texas ratio1.7%
61st

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer BankBank Mapleton, MN71 out of 100, Strong$883.8M10.2%0.58%vs
VersaBank USA National AssociationBank Holdingford, MN89 out of 100, Very strong$911.9M22.5%0.10%vs
Falcon National BankBank Foley, MN62 out of 100, Moderate$872.3M10.2%1.04%vs
First National Bank NorthBank Walker, MN85 out of 100, Very strong$864.3M12.1%0.23%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
United Prairie BankBank Mountain Lake, MN66 out of 100, Moderate$939.3M9.7%0.66%vs

Deposit insurance

Is my money safe at 21st Century Bank?

Yes. 21st Century Bank is an FDIC-insured institution (FDIC certificate #9751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.1% of deposits ($244.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.70% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

21st Century Bank lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, 21st Century Bank reported 47 home-loan applications under HMDA (LEI 549300M3TJGNW53OWQ30): 42 originated ($26,630,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
21st Century Bank
Former names
Crosstown State Bank of Ham Lake, Inc.; 21st Century Bank - North; Crosstown State Bank of Cedar, Inc.
Type
State-chartered bank
FDIC certificate #
9751
RSSD ID
340256
Primary regulator
FDIC
Holding company
Crosstown Holding Co
Established
June 2, 1917
Headquarters
699 N Medina St, Loretto, MN 55357
Employees
64

Quick answers

21st Century Bank: common questions

Is 21st Century Bank FDIC insured?

Yes. 21st Century Bank is an FDIC-insured institution (FDIC certificate #9751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is 21st Century Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has 21st Century Bank ever failed?

There is no failure record for FDIC certificate #9751 in the FDIC failed bank list.

How many branches does 21st Century Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Loretto

InstitutionScoreAssetsCapitalProblem loansCompare
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs
Scale BankBank Edina, MN83 out of 100, Strong$626.7M14.0%0.06%vs