TellerScore

Headquartered in Baxter, Minnesota, American National Bank of Minnesota is a national bank with $473.2M in total assets and $347.6M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1983.

Based on its Q2 2026 filing, American National Bank of Minnesota scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 146th. Its strongest component is problem-loan coverage (85/100; 7.3%), and its lowest is funding & liquidity (51/100; 110% loans-to-deposits, 13% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.85%
Loan quality67/100
Noncurrent loans ÷ total loans: 1.00%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 109.7% · 13.1% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.33%

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 7 points (58 → 65), mostly because the earnings component improved by 15 points.

TellerScore
586266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202466
Q4 202462
Q1 202558
Q2 202558
Q3 202560
Q4 202560
Q1 202661
Q2 202665
Tier 1 leverage ratio
5.00%7.92%10.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.59%
Q3 20249.70%
Q4 20249.69%
Q1 20259.54%
Q2 20259.70%
Q3 20259.99%
Q4 202510.38%
Q1 202610.49%
Q2 202610.85%
Noncurrent loans
0.27%0.81%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.31%
Q4 20240.72%
Q1 20250.77%
Q2 20250.98%
Q3 20251.02%
Q4 20251.20%
Q1 20261.35%
Q2 20261.00%
Return on assets
0.80%1.09%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20241.01%
Q4 20241.01%
Q1 20250.80%
Q2 20250.98%
Q3 20251.10%
Q4 20251.10%
Q1 20261.37%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$473.2M10.85%1.00%1.35%109.7%
Q1 202661$469.6M10.49%1.35%1.37%117.9%
Q4 202560$474.8M10.38%1.20%1.10%116.3%
Q3 202560$480.8M9.99%1.02%1.10%118.1%
Q2 202558$486.1M9.70%0.98%0.98%116.4%
Q1 202558$480.5M9.54%0.77%0.80%116.2%
Q4 202462$477.4M9.69%0.72%1.01%117.4%
Q3 202466$470.9M9.70%0.31%1.01%119.3%
Q2 202464$459.4M9.59%0.27%0.85%119.6%

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 ratio10.85%
47th
Total risk-based capital15.58%
71st
Problem loans1.00%
28th
Net charge-offs0.01%
46th
Return on assets1.35%
56th
Net interest margin4.20%
65th
Efficiency ratio65.0%
42nd
Loans to deposits109.7%
3rd
Uninsured deposits13.1%
87th
Loan-loss reserves1.34%
67th
Texas ratio7.3%
26th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Northview BankBank Sandstone, MN74 out of 100, Strong$469.7M10.8%0.46%vs
Sterling State BankBank Austin, MN59 out of 100, Moderate$461.9M8.5%0.47%vs
First Farmers & Merchants BankBank Cannon Falls, MN77 out of 100, Strong$486.4M10.1%0.01%vs
First State Bank and TrustBank Bayport, MN73 out of 100, Strong$499.0M8.9%0.03%vs
Kensington BankBank Kensington, MN69 out of 100, Moderate$446.7M9.9%0.58%vs
Star BankBank Maple Lake, MN46 out of 100, Below average$445.8M9.3%2.07%vs

Deposit insurance

Is my money safe at American National Bank of Minnesota?

Yes. American National Bank of Minnesota is an FDIC-insured institution (FDIC certificate #26499). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.1% of deposits ($45.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.58% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

American National Bank of Minnesota lists 10 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American National Bank of Minnesota reported 123 home-loan applications under HMDA (LEI 549300IJ5M3CD2DPIX47): 114 originated ($40,000,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, 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
American National Bank of Minnesota
Former names
CreditAmerica Savings Company; CreditAmerica Lending and Thrift Company
Type
National bank
FDIC certificate #
26499
RSSD ID
306159
Primary regulator
OCC
Holding company
American Bcorp of Mn Inc
Established
May 1, 1983
Headquarters
7638 Woida Rd, Baxter, MN 56425
Employees
76

Quick answers

American National Bank of Minnesota: common questions

Is American National Bank of Minnesota FDIC insured?

Yes. American National Bank of Minnesota is an FDIC-insured institution (FDIC certificate #26499). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American National Bank of Minnesota's TellerScore?

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

Has American National Bank of Minnesota ever failed?

There is no failure record for FDIC certificate #26499 in the FDIC failed bank list.

How many branches does American National Bank of Minnesota have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Baxter

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank NorthBank Walker, MN85 out of 100, Very strong$864.3M12.1%0.23%vs
Brainerd B. N. Credit UnionCredit union Brainerd, MN73 out of 100, Strong$127.8M10.8%0.17%vs
Frandsen Bank & TrustBank Lonsdale, MN71 out of 100, Strong$3.7B10.0%0.71%vs
Crow Wing Power Credit UnionCredit union Brainerd, MN71 out of 100, Strong$126.3M9.4%0.02%vs
National Bank of CommerceBank Superior, WI70 out of 100, Strong$2.2B9.3%0.64%vs
Deerwood BankBank Waite Park, MN68 out of 100, Moderate$1.5B8.1%0.29%vs