TellerScore

Minnesota First Credit and Savings, Incorporated is a state-chartered bank headquartered in Rochester, Minnesota, in business for about 70 years. At the end of Q2 2026 it reported $29.9M in total assets and $24.9M in deposits, with 4 offices.

Minnesota First Credit and Savings, Incorporated has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 56% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 59th. Problem-loan coverage contributes the most (99/100, 0.7%); earnings contributes the least (32/100, 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Tier 1 leverage ratio: 14.16%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 106.4% · 0.2% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.71%

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 fell 2 points (78 → 76), mostly because the capital cushion component weakened by 8 points.

TellerScore
767778Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202476
Q4 202476
Q1 202577
Q2 202578
Q3 202577
Q4 202578
Q1 202677
Q2 202676
Tier 1 leverage ratio
5.00%10.74%16.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.48%
Q3 202416.36%
Q4 202415.98%
Q1 202515.34%
Q2 202515.22%
Q3 202515.03%
Q4 202514.79%
Q1 202614.23%
Q2 202614.16%
Noncurrent loans
0.00%0.13%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.12%
Q4 20240.12%
Q1 20250.12%
Q2 20250.11%
Q3 20250.26%
Q4 20250.18%
Q1 20260.11%
Q2 20260.12%
Return on assets
0.06%0.23%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.06%
Q4 20240.09%
Q1 20250.13%
Q2 20250.33%
Q3 20250.41%
Q4 20250.37%
Q1 20260.30%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$29.9M14.16%0.12%0.31%106.4%
Q1 202677$30.0M14.23%0.11%0.30%102.3%
Q4 202578$28.9M14.79%0.18%0.37%106.5%
Q3 202577$28.1M15.03%0.26%0.41%111.1%
Q2 202578$27.3M15.22%0.11%0.33%108.4%
Q1 202577$27.4M15.34%0.12%0.13%106.4%
Q4 202476$26.0M15.98%0.12%0.09%112.5%
Q3 202476$25.4M16.36%0.12%0.06%115.3%
Q2 202478$24.8M16.48%0.00%0.19%117.5%

546 peers · Under $100 million in assets

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 ratio14.16%
64th
Total risk-based capital21.18%
76th
Problem loans0.12%
61st
Net charge-offs0.00%
58th
Return on assets0.31%
22nd
Net interest margin4.32%
68th
Efficiency ratio92.2%
16th
Loans to deposits106.4%
6th
Uninsured deposits0.2%
99th
Loan-loss reserves1.52%
69th
Texas ratio0.7%
60th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
St. Martin National BankBank Saint Martin, MN100 out of 100, Very strong$29.4M15.5%0.00%vs
State Bank of EastonBank Easton, MN74 out of 100, Strong$28.4M13.8%1.60%vs
Lake Country Community BankBank Morristown, MN74 out of 100, Strong$31.5M11.9%0.00%vs
The First National Bank of ProctorBank Proctor, MN69 out of 100, Moderate$34.0M8.5%0.00%vs
The First National Bank of FairfaxBank Fairfax, MN67 out of 100, Moderate$35.6M38.5%8.68%vs
First State Bank of SwanvilleBank Swanville, MN68 out of 100, Moderate$23.8M18.1%2.16%vs

Deposit insurance

Is my money safe at Minnesota First Credit and Savings, Incorporated?

Yes. Minnesota First Credit and Savings, Incorporated is an FDIC-insured institution (FDIC certificate #26755). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 0.2% of deposits ($55K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.18% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Minnesota First Credit and Savings, Incorporated lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Minnesota First Credit and Savings, Incorporated
Former names
Minnesota Loan & Thrift Company of Rochester
Type
State-chartered bank
FDIC certificate #
26755
RSSD ID
821559
Primary regulator
FDIC
Established
January 1, 1956
Headquarters
1932 Viking Dr Nw, Rochester, MN 55901
Employees
6

Quick answers

Minnesota First Credit and Savings, Incorporated: common questions

Is Minnesota First Credit and Savings, Incorporated FDIC insured?

Yes. Minnesota First Credit and Savings, Incorporated is an FDIC-insured institution (FDIC certificate #26755). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Minnesota First Credit and Savings, Incorporated's TellerScore?

76 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 Minnesota First Credit and Savings, Incorporated ever failed?

There is no failure record for FDIC certificate #26755 in the FDIC failed bank list.

How many branches does Minnesota First Credit and Savings, Incorporated have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rochester

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%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
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
F & M Community Bank, National AssociationBank Preston, MN74 out of 100, Strong$211.1M9.9%0.00%vs