TellerScore

Community Bank Mankato is a state-chartered bank headquartered in Vernon Center, Minnesota, in business for about 97 years. At the end of Q2 2026 it reported $538.3M in total assets and $473.9M in deposits, with 5 offices.

Based on its Q2 2026 filing, Community Bank Mankato scores 47/100, which we describe as below average. That is higher than only 5% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 208th. Its strongest component is problem-loan coverage (63/100; 18.4%), and its lowest is loan quality (28/100; 2.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.49%
Loan quality28/100
Noncurrent loans ÷ total loans: 2.15%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 99.4% · 19.6% uninsured
Problem-loan coverage63/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.35%

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 5 points (42 → 47), mostly because the capital cushion component improved by 8 points.

TellerScore
374247Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202437
Q3 202438
Q4 202438
Q1 202541
Q2 202542
Q3 202541
Q4 202543
Q1 202646
Q2 202647
Tier 1 leverage ratio
5.00%7.24%9.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.06%
Q3 20248.20%
Q4 20248.32%
Q1 20258.47%
Q2 20258.66%
Q3 20258.69%
Q4 20258.99%
Q1 20269.30%
Q2 20269.49%
Noncurrent loans
2.11%2.24%2.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.14%
Q3 20242.11%
Q4 20242.13%
Q1 20252.19%
Q2 20252.21%
Q3 20252.36%
Q4 20252.22%
Q1 20262.26%
Q2 20262.15%
Return on assets
0.49%0.76%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.53%
Q4 20240.53%
Q1 20250.78%
Q2 20250.79%
Q3 20250.80%
Q4 20250.80%
Q1 20261.02%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$538.3M9.49%2.15%1.01%99.4%
Q1 202646$539.8M9.30%2.26%1.02%100.1%
Q4 202543$542.7M8.99%2.22%0.80%101.2%
Q3 202541$552.7M8.69%2.36%0.80%100.2%
Q2 202542$545.5M8.66%2.21%0.79%104.0%
Q1 202541$545.3M8.47%2.19%0.78%103.1%
Q4 202438$539.9M8.32%2.13%0.53%110.7%
Q3 202438$546.8M8.20%2.11%0.53%112.7%
Q2 202437$545.6M8.06%2.14%0.49%113.7%

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 ratio9.49%
21st
Total risk-based capital13.23%
58th
Problem loans2.15%
11th
Net charge-offs0.26%
10th
Return on assets1.01%
34th
Net interest margin3.51%
28th
Efficiency ratio58.1%
63rd
Loans to deposits99.4%
11th
Uninsured deposits19.6%
66th
Loan-loss reserves0.98%
24th
Texas ratio18.4%
7th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Profinium, Inc.Bank Truman, MN72 out of 100, Strong$533.1M10.2%0.13%vs
Glenwood State Bank (Incorporated)Bank Glenwood, MN54 out of 100, Below average$545.2M10.3%2.03%vs
Lake Elmo BankBank Lake Elmo, MN74 out of 100, Strong$529.7M11.6%0.84%vs
EntreBankBank Bloomington, MN72 out of 100, Strong$527.1M9.6%0.03%vs
Northern State Bank of Thief River FallsBank Thief River Falls, MN67 out of 100, Moderate$550.0M9.9%0.57%vs
Luminate BankBank Minneapolis, MN47 out of 100, Below average$554.5M10.4%2.33%vs

Deposit insurance

Is my money safe at Community Bank Mankato?

Yes. Community Bank Mankato is an FDIC-insured institution (FDIC certificate #9760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.6% of deposits ($93.0M) 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 9.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.23% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Community Bank Mankato lists 5 offices in 4 cities. Most locations:

  • Mankato, MN (2)
  • Amboy, MN (1)
  • Eagle Lake, MN (1)
  • Vernon Center, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Bank Mankato reported 82 home-loan applications under HMDA (LEI 254900X5VVSXLQGRTJ55): 73 originated ($22,305,000 total), 5 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.4%, 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
Community Bank Mankato
Former names
Community Bank Vernon Center; State Bank of Vernon Center
Type
State-chartered bank
FDIC certificate #
9760
RSSD ID
835257
Primary regulator
FDIC
Holding company
Vernon Center Bancshares Inc
Established
December 1, 1929
Headquarters
201 Main St E, Vernon Center, MN 56090
Employees
60

Quick answers

Community Bank Mankato: common questions

Is Community Bank Mankato FDIC insured?

Yes. Community Bank Mankato is an FDIC-insured institution (FDIC certificate #9760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank Mankato's TellerScore?

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

Has Community Bank Mankato ever failed?

There is no failure record for FDIC certificate #9760 in the FDIC failed bank list.

How many branches does Community Bank Mankato have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Vernon Center

InstitutionScoreAssetsCapitalProblem loansCompare
St. Clair State Bank (Incorporated)Bank Saint Clair, MN85 out of 100, Very strong$134.4M11.1%0.03%vs
First Financial Bank in WinnebagoBank Winnebago, MN82 out of 100, Strong$58.1M13.8%0.66%vs
Minnesota Valley Federal Credit UnionCredit union Mankato, MN77 out of 100, Strong$329.0M11.5%0.56%vs
State Bank of EastonBank Easton, MN74 out of 100, Strong$28.4M13.8%1.60%vs
Cornerstone State BankBank Montgomery, MN74 out of 100, Strong$247.0M10.6%0.80%vs
Southpoint Financial Credit UnionCredit union Sleepy Eye, MN73 out of 100, Strong$608.9M11.2%0.17%vs