21ST CENTURY BANK
LORETTO, MINNESOTA · FDIC Cert #9751
Capital & Safety Analysis
According to FDIC financial data, 21ST CENTURY BANK holds a Tier 1 capital ratio of 15.52%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning 21ST CENTURY BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
21ST CENTURY BANK shows strong financial health indicators. With $738M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
21ST CENTURY BANK has a Bank Health Score of A (83/100). It holds a Tier 1 capital ratio of 15.52%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
21ST CENTURY BANK holds $738M in total assets and $572M in total deposits. It is located in LORETTO, MINNESOTA (FDIC Certificate #9751).
21ST CENTURY BANK has a Tier 1 capital ratio of 15.52%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.09%, and the return on assets is 0.75%.
Yes. 21ST CENTURY BANK is FDIC-insured (Certificate #9751). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.