TellerScore

Headquartered in Sauk Centre, Minnesota, Minnesota National Bank is a national bank with $298.4M in total assets and $253.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1902.

Based on its Q2 2026 filing, Minnesota National Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 105th. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is capital cushion (48/100; 9.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.77%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.49%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 93.8% · 24.3% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.58%

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 2 points (68 → 70), mostly because the loan quality component weakened by 11 points.

TellerScore
606672Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202460
Q4 202463
Q1 202566
Q2 202568
Q3 202571
Q4 202572
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%7.39%9.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.39%
Q3 20248.22%
Q4 20248.46%
Q1 20258.53%
Q2 20258.78%
Q3 20259.01%
Q4 20259.24%
Q1 20269.57%
Q2 20269.77%
Noncurrent loans
0.02%0.25%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.48%
Q4 20240.38%
Q1 20250.07%
Q2 20250.15%
Q3 20250.09%
Q4 20250.09%
Q1 20260.42%
Q2 20260.49%
Return on assets
0.93%1.29%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20240.93%
Q4 20241.03%
Q1 20251.14%
Q2 20251.39%
Q3 20251.50%
Q4 20251.53%
Q1 20261.54%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$298.4M9.77%0.49%1.66%93.8%
Q1 202670$285.9M9.57%0.42%1.54%89.3%
Q4 202572$291.5M9.24%0.09%1.53%91.7%
Q3 202571$295.6M9.01%0.09%1.50%93.0%
Q2 202568$304.9M8.78%0.15%1.39%95.4%
Q1 202566$304.0M8.53%0.07%1.14%93.6%
Q4 202463$302.6M8.46%0.38%1.03%86.6%
Q3 202460$303.4M8.22%0.48%0.93%85.9%
Q2 202467$301.1M8.39%0.02%1.07%87.4%

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 ratio9.77%
26th
Total risk-based capital12.61%
55th
Problem loans0.49%
46th
Net charge-offs0.00%
57th
Return on assets1.66%
74th
Net interest margin4.41%
76th
Efficiency ratio59.6%
58th
Loans to deposits93.8%
18th
Uninsured deposits24.3%
49th
Loan-loss reserves1.06%
33rd
Texas ratio3.6%
44th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
Citizens State Bank of RoseauBank Roseau, MN85 out of 100, Very strong$290.9M13.3%0.53%vs
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs

Deposit insurance

Is my money safe at Minnesota National Bank?

Yes. Minnesota National Bank is an FDIC-insured institution (FDIC certificate #5249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.3% of deposits ($61.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.77%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.61% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Minnesota National Bank lists 3 offices in 3 cities. Most locations:

  • Long Prairie, MN (1)
  • Pelican Rapids, MN (1)
  • Sauk Centre, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Minnesota National Bank reported 106 home-loan applications under HMDA (LEI 254900FKPTR6FQ8IH565): 105 originated ($27,145,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, 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
Minnesota National Bank
Former names
The Merchants National Bank of Sauk Centre; First National Bank of Sauk Centre
Type
National bank
FDIC certificate #
5249
RSSD ID
799751
Primary regulator
OCC
Holding company
Sauk Ctr Finl Services Inc
Established
September 11, 1902
Headquarters
131 12th St S, Sauk Centre, MN 56378
Employees
53

Quick answers

Minnesota National Bank: common questions

Is Minnesota National Bank FDIC insured?

Yes. Minnesota National Bank is an FDIC-insured institution (FDIC certificate #5249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Minnesota National Bank's TellerScore?

70 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 National Bank ever failed?

There is no failure record for FDIC certificate #5249 in the FDIC failed bank list.

How many branches does Minnesota National Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sauk Centre

InstitutionScoreAssetsCapitalProblem loansCompare
St. Martin National BankBank Saint Martin, MN100 out of 100, Very strong$29.4M15.5%0.00%vs
American Heritage National BankBank Long Prairie, MN80 out of 100, Strong$604.7M11.9%0.00%vs
Battle Bank, National AssociationBank Upsala, MN79 out of 100, Strong$180.8M33.3%0.00%vs
Pine Country BankBank Little Falls, MN78 out of 100, Strong$380.3M10.2%0.06%vs
Freeport State BankBank Freeport, MN77 out of 100, Strong$165.5M10.7%0.00%vs
Mid-Central National BankBank Wadena, MN77 out of 100, Strong$117.1M14.9%0.76%vs