TellerScore

Community Bank Owatonna (FDIC certificate #57468) is based in Owatonna, Minnesota. Its Q2 2026 call report shows $103.3M in total assets and $94.7M in deposits and 1 office.

Based on its Q2 2026 filing, Community Bank Owatonna scores 63/100, which we describe as moderate. That is higher than only 24% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 162nd. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is capital cushion (30/100; 7.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Tier 1 leverage ratio: 7.98%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 76.6% · 12.7% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.84%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).

TellerScore
556065Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202460
Q4 202459
Q1 202562
Q2 202563
Q3 202564
Q4 202562
Q1 202665
Q2 202663
Tier 1 leverage ratio
5.00%6.74%8.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.22%
Q3 20248.13%
Q4 20247.80%
Q1 20257.60%
Q2 20257.68%
Q3 20257.46%
Q4 20258.18%
Q1 20268.49%
Q2 20267.98%
Noncurrent loans
0.00%0.37%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.74%
Q3 20240.21%
Q4 20240.16%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.39%
Q1 20260.38%
Q2 20260.42%
Return on assets
0.03%0.44%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.12%
Q4 20240.03%
Q1 20250.32%
Q2 20250.40%
Q3 20250.56%
Q4 20250.63%
Q1 20260.84%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$103.3M7.98%0.42%0.81%76.6%
Q1 202665$100.4M8.49%0.38%0.84%78.8%
Q4 202562$98.4M8.18%0.39%0.63%79.0%
Q3 202564$95.4M7.46%0.00%0.56%75.3%
Q2 202563$94.0M7.68%0.00%0.40%74.8%
Q1 202562$94.7M7.60%0.00%0.32%75.0%
Q4 202459$93.1M7.80%0.16%0.03%73.0%
Q3 202460$93.1M8.13%0.21%0.12%73.5%
Q2 202455$89.5M8.22%0.74%0.16%74.7%

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 ratio7.98%
2nd
Total risk-based capital12.18%
53rd
Problem loans0.42%
50th
Net charge-offs0.00%
68th
Return on assets0.81%
24th
Net interest margin3.67%
36th
Efficiency ratio67.2%
36th
Loans to deposits76.6%
57th
Uninsured deposits12.7%
88th
Loan-loss reserves0.98%
24th
Texas ratio3.8%
42nd

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Northern State Bank of VirginiaBank Virginia, MN75 out of 100, Strong$102.0M10.2%0.00%vs
Hometown Community BankBank Cyrus, MN57 out of 100, Moderate$105.7M9.1%1.78%vs
First State Bank MinnesotaBank Le Roy, MN76 out of 100, Strong$105.9M11.4%0.80%vs
Prairie Sun BankBank Milan, MN58 out of 100, Moderate$107.0M9.9%1.82%vs
Produce State BankBank Hollandale, MN69 out of 100, Moderate$107.2M10.3%1.26%vs
Red River State BankBank Halstad, MN59 out of 100, Moderate$110.2M15.2%8.88%vs

Deposit insurance

Is my money safe at Community Bank Owatonna?

Yes. Community Bank Owatonna is an FDIC-insured institution (FDIC certificate #57468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.7% of deposits ($12.0M) 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 7.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.18% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Community Bank Owatonna lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community Bank Owatonna
Type
State-chartered bank
FDIC certificate #
57468
RSSD ID
3139321
Primary regulator
FDIC
Holding company
Community Financial Corp
Established
January 13, 2003
Headquarters
640 W Bridge St, Owatonna, MN 55060
Employees
13

Quick answers

Community Bank Owatonna: common questions

Is Community Bank Owatonna FDIC insured?

Yes. Community Bank Owatonna is an FDIC-insured institution (FDIC certificate #57468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank Owatonna's TellerScore?

63 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 Community Bank Owatonna ever failed?

There is no failure record for FDIC certificate #57468 in the FDIC failed bank list.

How many branches does Community Bank Owatonna have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Owatonna

InstitutionScoreAssetsCapitalProblem loansCompare
Arcadian BankBank Hartland, MN85 out of 100, Very strong$242.1M12.0%0.10%vs
Federated Employees Credit UnionCredit union Owatonna, MN82 out of 100, Strong$66.7M13.2%0.19%vs
Commerce BankBank Geneva, MN78 out of 100, Strong$220.0M13.9%0.60%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
Keen Bank, National AssociationBank Waseca, MN76 out of 100, Strong$201.1M8.4%0.06%vs
Minnesota First Credit and Savings, IncorporatedBank Rochester, MN76 out of 100, Strong$29.9M14.2%0.12%vs