Sentry Bank is a state-chartered bank headquartered in Saint Joseph, Minnesota, in business for about 122 years. At the end of Q2 2026 it reported $415.5M in total assets and $365.0M in deposits, with 4 offices.
Sentry Bank 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 102nd. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (37/100, 8.66%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 69 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 70 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.67% |
| Q3 2024 | 9.11% |
| Q4 2024 | 9.42% |
| Q1 2025 | 9.03% |
| Q2 2025 | 9.13% |
| Q3 2025 | 9.00% |
| Q4 2025 | 8.98% |
| Q1 2026 | 8.65% |
| Q2 2026 | 8.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.54% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.02% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $415.5M | 8.66% | 0.00% | 1.26% | 83.8% |
| Q1 2026 | 69 | $378.6M | 8.65% | 0.00% | 1.21% | 87.1% |
| Q4 2025 | 70 | $374.6M | 8.98% | 0.00% | 1.22% | 83.8% |
| Q3 2025 | 71 | $368.7M | 9.00% | 0.02% | 1.16% | 78.8% |
| Q2 2025 | 71 | $349.3M | 9.13% | 0.02% | 1.13% | 80.0% |
| Q1 2025 | 69 | $335.2M | 9.03% | 0.02% | 1.02% | 82.1% |
| Q4 2024 | 70 | $322.3M | 9.42% | 0.02% | 1.03% | 82.3% |
| Q3 2024 | 69 | $324.1M | 9.11% | 0.02% | 1.00% | 81.9% |
| Q2 2024 | 53 | $319.2M | 8.67% | 1.54% | 0.90% | 82.5% |
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 |
|---|---|---|---|---|---|
| Village BankBank Saint Francis, MN | 62 out of 100, Moderate | $411.9M | 9.0% | 0.40% | vs |
| First State Bank SouthwestBank Pipestone, MN | 70 out of 100, Strong | $409.9M | 9.7% | 0.71% | vs |
| My Kind of Bank, National AssociationBank Ottertail, MN | 64 out of 100, Moderate | $422.6M | 9.0% | 0.96% | vs |
| Crown BankBank Edina, MN | 45 out of 100, Below average | $402.0M | 8.4% | 1.15% | vs |
| BankCherokeeBank Saint Paul, MN | 68 out of 100, Moderate | $401.9M | 11.0% | 0.17% | vs |
| Peoples State Bank of PlainviewBank Plainview, MN | 66 out of 100, Moderate | $429.1M | 8.9% | 0.95% | vs |
Deposit insurance
Is my money safe at Sentry Bank?
Yes. Sentry Bank is an FDIC-insured institution (FDIC certificate #8546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.0% of deposits ($84.1M) 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 8.66%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.25% (benchmark: 10%).
4 locations
Branches
Sentry Bank lists 4 offices in 3 cities. Most locations:
- Saint Cloud, MN (2)
- Saint Joseph, MN (1)
- Saint Stephen, MN (1)
Identity & history
Profile
- Legal name
- Sentry Bank
- Former names
- First State Bank of St. Joseph
- Type
- State-chartered bank
- FDIC certificate #
- 8546
- RSSD ID
- 746157
- Primary regulator
- FDIC
- Holding company
- Saint Joseph Bancshares Acquisitions
- Established
- November 4, 1904
- Headquarters
- 400 4th Ave Ne, Saint Joseph, MN 56374
- Website
- www.mysentrybank.com
- Employees
- 47
Quick answers
Sentry Bank: common questions
Is Sentry Bank FDIC insured?
Yes. Sentry Bank is an FDIC-insured institution (FDIC certificate #8546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sentry 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 Sentry Bank ever failed?
There is no failure record for FDIC certificate #8546 in the FDIC failed bank list.
How many branches does Sentry Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Joseph
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Martin National BankBank Saint Martin, MN | 100 out of 100, Very strong | $29.4M | 15.5% | 0.00% | vs |
| Liberty Bank MinnesotaBank Saint Cloud, MN | 86 out of 100, Very strong | $290.2M | 12.9% | 0.00% | vs |
| Lake Central BankBank Annandale, MN | 86 out of 100, Very strong | $291.3M | 11.2% | 0.04% | vs |
| The First National Bank of MilacaBank Milaca, MN | 81 out of 100, Strong | $293.2M | 10.8% | 0.37% | vs |
| American Heritage National BankBank Long Prairie, MN | 80 out of 100, Strong | $604.7M | 11.9% | 0.00% | vs |
| Battle Bank, National AssociationBank Upsala, MN | 79 out of 100, Strong | $180.8M | 33.3% | 0.00% | vs |