Headquartered in Minster, Ohio, Minster Bank is a state-chartered bank (fed member) with $811.6M in total assets and $719.4M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1914.
Based on its Q2 2026 filing, Minster Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 28th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (51/100; 10.08%).
TellerScore · Q2 2026
Scorecard
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 (77 → 79), mostly because the earnings component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 73 |
| Q1 2025 | 76 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.74% |
| Q3 2024 | 9.87% |
| Q4 2024 | 9.31% |
| Q1 2025 | 9.26% |
| Q2 2025 | 9.73% |
| Q3 2025 | 9.71% |
| Q4 2025 | 9.31% |
| Q1 2026 | 9.80% |
| Q2 2026 | 10.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.24% |
| Q4 2024 | 1.31% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $811.6M | 10.08% | 0.14% | 1.62% | 63.5% |
| Q1 2026 | 77 | $814.0M | 9.80% | 0.16% | 1.55% | 61.9% |
| Q4 2025 | 76 | $802.2M | 9.31% | 0.16% | 1.54% | 61.8% |
| Q3 2025 | 78 | $805.9M | 9.71% | 0.10% | 1.52% | 56.3% |
| Q2 2025 | 77 | $773.5M | 9.73% | 0.11% | 1.48% | 58.4% |
| Q1 2025 | 76 | $778.1M | 9.26% | 0.05% | 1.43% | 55.5% |
| Q4 2024 | 73 | $757.7M | 9.31% | 0.24% | 1.31% | 55.0% |
| Q3 2024 | 67 | $740.6M | 9.87% | 0.98% | 1.24% | 55.0% |
| Q2 2024 | 66 | $734.3M | 9.74% | 1.01% | 1.22% | 53.6% |
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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Old Fort Banking CompanyBank Old Fort, OH | 72 out of 100, Strong | $843.9M | 8.9% | 0.20% | vs |
| The Peoples Bank Co.Bank Coldwater, OH | 85 out of 100, Very strong | $859.2M | 11.9% | 0.13% | vs |
| Unified BankBank Martins Ferry, OH | 62 out of 100, Moderate | $871.7M | 9.0% | 1.29% | vs |
| The Genoa Banking CompanyBank Genoa, OH | 62 out of 100, Moderate | $747.8M | 7.6% | 0.01% | vs |
| Mechanics BankBank Mansfield, OH | 61 out of 100, Moderate | $896.4M | 8.4% | 0.42% | vs |
| The Community BankBank Zanesville, OH | 74 out of 100, Strong | $680.1M | 10.6% | 0.23% | vs |
Deposit insurance
Is my money safe at Minster Bank?
Yes. Minster Bank is an FDIC-insured institution (FDIC certificate #763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.7% of deposits ($177.8M) 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 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.22% (benchmark: 10%).
7 locations
Branches
Minster Bank lists 7 offices in 7 cities. Most locations:
- Dayton, OH (1)
- Minster, OH (1)
- New Bremen, OH (1)
- Sidney, OH (1)
- St. Marys, OH (1)
- Troy, OH (1)
- Wapakoneta, OH (1)
Identity & history
Profile
- Legal name
- Minster Bank
- Former names
- The Minster State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 763
- RSSD ID
- 604024
- Primary regulator
- FED
- Holding company
- Minster Financial Corp
- Established
- January 23, 1914
- Headquarters
- 95 W 4th St, Minster, OH 45865
- Website
- www.minsterbank.com
- Employees
- 94
Quick answers
Minster Bank: common questions
Is Minster Bank FDIC insured?
Yes. Minster Bank is an FDIC-insured institution (FDIC certificate #763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Minster Bank's TellerScore?
79 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 Minster Bank ever failed?
There is no failure record for FDIC certificate #763 in the FDIC failed bank list.
How many branches does Minster Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Minster
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| The St. Henry BankBank St. Henry, OH | 92 out of 100, Very strong | $435.6M | 13.6% | 0.10% | vs |
| Members Choice Credit UnionCredit union Greenville, OH | 92 out of 100, Very strong | $38.9M | 17.9% | 0.44% | vs |
| The Covington Savings and Loan AssociationBank Covington, OH | 91 out of 100, Very strong | $84.0M | 18.6% | 0.00% | vs |
| Versailles Savings and Loan CompanyBank Versailles, OH | 89 out of 100, Very strong | $65.6M | 19.3% | 0.00% | vs |
| Greenville National BankBank Greenville, OH | 86 out of 100, Very strong | $641.5M | 13.0% | 0.05% | vs |