Community Bank Owatonna
Owatonna, Minnesota · FDIC Cert #57468
Community Bank Owatonna is an FDIC-insured bank (Certificate #57468) with $90M in total assets and $82M in total deposits as of the Q2 2024 Call Report. Headquartered in Owatonna, Minnesota, the bank maintains a Tier 1 capital ratio of 11.72% (Well-Capitalized) and a nonperforming loan ratio of 0.74%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Bank Owatonna (FDIC cert 57468) is a community bank — $90M in total assets, $82M in deposits, serving the Owatonna, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.72% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.74% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 25.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is minimal: ROA of 0.18% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Community Bank Owatonna carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Community Bank Owatonna
- Total Assets
- $90M
- Total Deposits
- $82M
- Tier 1 Capital Ratio
- 11.72%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.74%
- Liquidity Ratio
- 25.80%
- Return on Assets
- 0.18%
- Headquarters
- Owatonna, Minnesota
- FDIC Certificate
- #57468
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Community Bank Owatonna holds a Tier 1 capital ratio of 11.72%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Bank Owatonna has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Bank Owatonna shows strong financial health indicators. With $90M in assets and a Health Score of 75/100, 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.
How Community Bank Owatonna Compares
Community Bank Owatonna’s Health Score of 75 is 2 points above the Minnesota state average of 73 across 225 FDIC-insured banks. Its 11.72% Tier 1 capital ratio is 2.3 points below the US banking industry average near 14%. The 0.74% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.18% is below the national ROA benchmark of ~1.1%. Among 1013 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Community Bank Owatonna is 5 points above the portfolio average of 70.
Frequently Asked Questions
Community Bank Owatonna has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.72%, 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Community Bank Owatonna's Tier 1 capital ratio of 11.72% and nonperforming loan ratio of 0.74% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Community Bank Owatonna is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57468). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Community Bank Owatonna holds $90M in total assets and $82M in total deposits. It is headquartered in Owatonna, Minnesota (FDIC Certificate #57468).
Community Bank Owatonna has a Tier 1 capital ratio of 11.72%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.74%, and the return on assets is 0.18%.
Yes. Community Bank Owatonna is FDIC-insured (Certificate #57468). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Community Bank Owatonna's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.