TellerScore

Minnstar Bank National Association (FDIC certificate #13809) is based in Lake Crystal, Minnesota. Its Q2 2026 call report shows $204.0M in total assets and $180.3M in deposits and 2 offices.

Minnstar Bank National Association has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 107th. Problem-loan coverage contributes the most (95/100, 2.7%); capital cushion contributes the least (54/100, 10.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.38%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.36%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 94.2% · 10.3% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.70%

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 4 points (66 → 70), mostly because the loan quality component improved by 16 points.

TellerScore
626975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202462
Q4 202471
Q1 202574
Q2 202566
Q3 202575
Q4 202570
Q1 202672
Q2 202670
Tier 1 leverage ratio
5.00%8.16%11.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.06%
Q3 202410.37%
Q4 202410.61%
Q1 202510.92%
Q2 202510.90%
Q3 202511.12%
Q4 202511.20%
Q1 202611.32%
Q2 202610.38%
Noncurrent loans
0.00%0.50%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.30%
Q3 20241.00%
Q4 20240.07%
Q1 20250.00%
Q2 20250.83%
Q3 20250.00%
Q4 20250.40%
Q1 20260.37%
Q2 20260.36%
Return on assets
0.76%0.91%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.76%
Q4 20240.77%
Q1 20250.89%
Q2 20250.90%
Q3 20250.91%
Q4 20250.80%
Q1 20261.00%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$204.0M10.38%0.36%1.07%94.2%
Q1 202672$197.4M11.32%0.37%1.00%97.2%
Q4 202570$191.4M11.20%0.40%0.80%92.0%
Q3 202575$188.7M11.12%0.00%0.91%89.6%
Q2 202566$193.3M10.90%0.83%0.90%93.4%
Q1 202574$196.5M10.92%0.00%0.89%92.3%
Q4 202471$200.7M10.61%0.07%0.77%93.6%
Q3 202462$205.8M10.37%1.00%0.76%93.0%
Q2 202467$205.4M10.06%0.30%0.78%96.3%

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 ratio10.38%
39th
Total risk-based capital14.67%
66th
Problem loans0.36%
53rd
Net charge-offs-0.00%
81st
Return on assets1.07%
38th
Net interest margin3.82%
44th
Efficiency ratio61.8%
52nd
Loans to deposits94.2%
18th
Uninsured deposits10.3%
93rd
Loan-loss reserves1.37%
69th
Texas ratio2.7%
50th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Wadena State BankBank Wadena, MN81 out of 100, Strong$206.6M9.8%0.04%vs
Keen Bank, National AssociationBank Waseca, MN76 out of 100, Strong$201.1M8.4%0.06%vs
Grand Marais State BankBank Grand Marais, MN75 out of 100, Strong$207.2M8.4%0.10%vs
ESB BankBank Caledonia, MN65 out of 100, Moderate$208.9M9.2%0.87%vs
Farmers State Bank of HamelBank Hamel, MN72 out of 100, Strong$198.3M9.5%0.00%vs
F & M Community Bank, National AssociationBank Preston, MN74 out of 100, Strong$211.1M9.9%0.00%vs

Deposit insurance

Is my money safe at Minnstar Bank National Association?

Yes. Minnstar Bank National Association is an FDIC-insured institution (FDIC certificate #13809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.3% of deposits ($18.5M) 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 10.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.67% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Minnstar Bank National Association lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Minnstar Bank National Association reported 61 home-loan applications under HMDA (LEI 254900GWSHKTMAYXI472): 59 originated ($16,105,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, 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
Minnstar Bank National Association
Former names
The Lake Crystal National Bank
Type
National bank
FDIC certificate #
13809
RSSD ID
89854
Primary regulator
OCC
Holding company
Lake Crystal Bcorp Inc
Established
January 29, 1934
Headquarters
202 N Main St, Lake Crystal, MN 56055
Employees
25

Quick answers

Minnstar Bank National Association: common questions

Is Minnstar Bank National Association FDIC insured?

Yes. Minnstar Bank National Association is an FDIC-insured institution (FDIC certificate #13809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Minnstar Bank National Association'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 Minnstar Bank National Association ever failed?

There is no failure record for FDIC certificate #13809 in the FDIC failed bank list.

How many branches does Minnstar Bank National Association have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lake Crystal

InstitutionScoreAssetsCapitalProblem loansCompare
St. Clair State Bank (Incorporated)Bank Saint Clair, MN85 out of 100, Very strong$134.4M11.1%0.03%vs
Minnesota Valley Federal Credit UnionCredit union Mankato, MN77 out of 100, Strong$329.0M11.5%0.56%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
Profinium, Inc.Bank Truman, MN72 out of 100, Strong$533.1M10.2%0.13%vs
Pioneer BankBank Mapleton, MN71 out of 100, Strong$883.8M10.2%0.58%vs