TellerScore

Community Resource Bank (FDIC certificate #5219) is based in Northfield, Minnesota. Its Q2 2026 call report shows $556.4M in total assets and $471.8M in deposits and 4 offices.

Community Resource Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 132nd. Problem-loan coverage contributes the most (87/100, 6.6%); capital cushion contributes the least (55/100, 10.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.52%
Loan quality64/100
Noncurrent loans ÷ total loans: 1.09%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 86.9% · 19.8% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.55%

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 (62 → 67), mostly because the earnings component improved by 21 points.

TellerScore
556167Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202466
Q4 202462
Q1 202555
Q2 202562
Q3 202559
Q4 202561
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%7.87%10.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.96%
Q3 202410.12%
Q4 20249.74%
Q1 20259.83%
Q2 202510.22%
Q3 202510.47%
Q4 202510.74%
Q1 202610.39%
Q2 202610.52%
Noncurrent loans
0.41%0.97%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.43%
Q3 20240.41%
Q4 20240.59%
Q1 20251.30%
Q2 20251.04%
Q3 20251.53%
Q4 20251.37%
Q1 20261.37%
Q2 20261.09%
Return on assets
0.73%1.19%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.82%
Q4 20240.81%
Q1 20250.73%
Q2 20250.88%
Q3 20250.87%
Q4 20250.96%
Q1 20261.64%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$556.4M10.52%1.09%1.40%86.9%
Q1 202666$575.6M10.39%1.37%1.64%81.9%
Q4 202561$542.2M10.74%1.37%0.96%89.5%
Q3 202559$540.2M10.47%1.53%0.87%86.6%
Q2 202562$540.0M10.22%1.04%0.88%86.9%
Q1 202555$380.7M9.83%1.30%0.73%102.7%
Q4 202462$377.2M9.74%0.59%0.81%104.0%
Q3 202466$379.8M10.12%0.41%0.82%99.5%
Q2 202465$379.5M9.96%0.43%0.81%96.5%

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 ratio10.52%
42nd
Total risk-based capital15.22%
69th
Problem loans1.09%
26th
Net charge-offs0.38%
7th
Return on assets1.40%
59th
Net interest margin4.28%
69th
Efficiency ratio54.4%
73rd
Loans to deposits86.9%
33rd
Uninsured deposits19.8%
65th
Loan-loss reserves1.32%
64th
Texas ratio6.6%
28th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Luminate BankBank Minneapolis, MN47 out of 100, Below average$554.5M10.4%2.33%vs
Northern State Bank of Thief River FallsBank Thief River Falls, MN67 out of 100, Moderate$550.0M9.9%0.57%vs
Glenwood State Bank (Incorporated)Bank Glenwood, MN54 out of 100, Below average$545.2M10.3%2.03%vs
Community Bank MankatoBank Vernon Center, MN47 out of 100, Below average$538.3M9.5%2.15%vs
Profinium, Inc.Bank Truman, MN72 out of 100, Strong$533.1M10.2%0.13%vs
Lake Elmo BankBank Lake Elmo, MN74 out of 100, Strong$529.7M11.6%0.84%vs

Deposit insurance

Is my money safe at Community Resource Bank?

Yes. Community Resource Bank is an FDIC-insured institution (FDIC certificate #5219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.8% of deposits ($93.3M) 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 10.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.22% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Community Resource Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community Resource Bank
Former names
Community National Bank; Northfield National Bank and Trust Company; Northfield National Bank; First Bank (N.A.) - Northfield
Type
State-chartered bank (Fed member)
FDIC certificate #
5219
RSSD ID
813853
Primary regulator
FED
Holding company
Midcountry Acquisition Corp
Established
September 18, 1878
Headquarters
1605 Heritage Dr, Northfield, MN 55057
Employees
69

Quick answers

Community Resource Bank: common questions

Is Community Resource Bank FDIC insured?

Yes. Community Resource Bank is an FDIC-insured institution (FDIC certificate #5219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Resource Bank's TellerScore?

67 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 Resource Bank ever failed?

There is no failure record for FDIC certificate #5219 in the FDIC failed bank list.

How many branches does Community Resource Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Northfield

InstitutionScoreAssetsCapitalProblem loansCompare
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Security State Bank of WanamingoBank Wanamingo, MN84 out of 100, Strong$112.7M11.4%0.00%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs