Headquartered in Milan, Minnesota, Prairie Sun Bank is a state-chartered bank with $107.0M in total assets and $92.5M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1915.
Prairie Sun Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 181st. Problem-loan coverage contributes the most (76/100, 12.1%); loan quality contributes the least (39/100, 1.82%).
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 8 points (50 → 58), mostly because the loan quality component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 41 |
| Q4 2024 | 39 |
| Q1 2025 | 54 |
| Q2 2025 | 50 |
| Q3 2025 | 65 |
| Q4 2025 | 54 |
| Q1 2026 | 41 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.69% |
| Q3 2024 | 8.51% |
| Q4 2024 | 8.66% |
| Q1 2025 | 9.04% |
| Q2 2025 | 8.97% |
| Q3 2025 | 9.10% |
| Q4 2025 | 9.40% |
| Q1 2026 | 10.01% |
| Q2 2026 | 9.85% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.69% |
| Q3 2024 | 2.84% |
| Q4 2024 | 3.94% |
| Q1 2025 | 2.06% |
| Q2 2025 | 2.32% |
| Q3 2025 | 0.79% |
| Q4 2025 | 2.16% |
| Q1 2026 | 9.72% |
| Q2 2026 | 1.82% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $107.0M | 9.85% | 1.82% | 1.36% | 86.2% |
| Q1 2026 | 41 | $105.7M | 10.01% | 9.72% | 1.34% | 81.4% |
| Q4 2025 | 54 | $113.3M | 9.40% | 2.16% | 1.39% | 76.8% |
| Q3 2025 | 65 | $113.6M | 9.10% | 0.79% | 1.38% | 86.7% |
| Q2 2025 | 50 | $113.9M | 8.97% | 2.32% | 1.40% | 86.1% |
| Q1 2025 | 54 | $112.6M | 9.04% | 2.06% | 1.45% | 84.1% |
| Q4 2024 | 39 | $115.2M | 8.66% | 3.94% | 1.16% | 82.2% |
| Q3 2024 | 41 | $114.9M | 8.51% | 2.84% | 1.10% | 85.3% |
| Q2 2024 | 43 | $113.7M | 8.69% | 2.69% | 1.01% | 86.6% |
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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Produce State BankBank Hollandale, MN | 69 out of 100, Moderate | $107.2M | 10.3% | 1.26% | vs |
| First State Bank MinnesotaBank Le Roy, MN | 76 out of 100, Strong | $105.9M | 11.4% | 0.80% | vs |
| Hometown Community BankBank Cyrus, MN | 57 out of 100, Moderate | $105.7M | 9.1% | 1.78% | vs |
| Red River State BankBank Halstad, MN | 59 out of 100, Moderate | $110.2M | 15.2% | 8.88% | vs |
| First State Bank of Le CenterBank Le Center, MN | 76 out of 100, Strong | $110.4M | 11.1% | 0.81% | vs |
| Community Bank OwatonnaBank Owatonna, MN | 63 out of 100, Moderate | $103.3M | 8.0% | 0.42% | vs |
Deposit insurance
Is my money safe at Prairie Sun Bank?
Yes. Prairie Sun Bank is an FDIC-insured institution (FDIC certificate #8207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.1% of deposits ($12.1M) 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 9.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Prairie Sun Bank lists 4 offices in 4 cities. Most locations:
- Appleton, MN (1)
- Browns Valley, MN (1)
- Marietta, MN (1)
- Milan, MN (1)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 51 consumer complaints about Dakota Financial, LLC to the company (12 in the last 12 months). 90.2% received a timely response. That is 551.2 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
Identity & history
Profile
- Legal name
- Prairie Sun Bank
- Former names
- Peoples State Bank of Milan; Prairie State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8207
- RSSD ID
- 960551
- Primary regulator
- FDIC
- Holding company
- Dakota Financial Inc
- Established
- December 15, 1915
- Headquarters
- 240 N 2nd St, Milan, MN 56262
- Website
- www.bankwithpsb.com
- Employees
- 17
Quick answers
Prairie Sun Bank: common questions
Is Prairie Sun Bank FDIC insured?
Yes. Prairie Sun Bank is an FDIC-insured institution (FDIC certificate #8207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Prairie Sun Bank's TellerScore?
58 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 Prairie Sun Bank ever failed?
There is no failure record for FDIC certificate #8207 in the FDIC failed bank list.
How many branches does Prairie Sun Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Milan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greater Community Credit UnionCredit union Dawson, MN | 91 out of 100, Very strong | $296.5M | 20.7% | 0.48% | vs |
| Lake Central BankBank Annandale, MN | 86 out of 100, Very strong | $291.3M | 11.2% | 0.04% | vs |
| Farmers and Merchants State Bank of AppletonBank Appleton, MN | 70 out of 100, Strong | $62.0M | 13.0% | 1.89% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| Co-Op Credit Union of MontevideoCredit union Montevideo, MN | 69 out of 100, Moderate | $422.8M | 15.8% | 3.18% | vs |
| Minnwest BankBank Redwood Falls, MN | 68 out of 100, Moderate | $2.9B | 10.8% | 0.56% | vs |