Community Resource Bank
Northfield, Minnesota · FDIC Cert #5219
Community Resource Bank is an FDIC-insured bank (Certificate #5219) with $380M in total assets and $320M in total deposits as of the Q2 2024 Call Report. Headquartered in Northfield, Minnesota, the bank maintains a Tier 1 capital ratio of 12.32% (Well-Capitalized) and a nonperforming loan ratio of 0.43%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Resource Bank (FDIC cert 5219) is a community bank — $380M in total assets, $320M in deposits, serving the Northfield, 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 strong: Tier 1 capital ratio of 12.32% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.43% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 12.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.11% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Community Resource Bank carries a composite BankHealth grade of B (70/100) 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 Resource Bank
- Total Assets
- $380M
- Total Deposits
- $320M
- Tier 1 Capital Ratio
- 12.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.43%
- Liquidity Ratio
- 12.93%
- Return on Assets
- 1.11%
- Headquarters
- Northfield, Minnesota
- FDIC Certificate
- #5219
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Community Resource Bank holds a Tier 1 capital ratio of 12.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Resource Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Resource Bank shows strong financial health indicators. With $380M in assets and a Health Score of 70/100, 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 Resource Bank Compares
Community Resource Bank’s Health Score of 70 is 3 points below the Minnesota state average of 73 across 225 FDIC-insured banks. Its 12.32% Tier 1 capital ratio is 1.7 points below the US banking industry average near 14%. The 0.43% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.11% is in line with or above the national ROA benchmark of ~1.1%. Among 1553 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort.
Frequently Asked Questions
Community Resource Bank has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.32%, 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 Resource Bank's Tier 1 capital ratio of 12.32% and nonperforming loan ratio of 0.43% 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 Resource Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5219). 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 Resource Bank holds $380M in total assets and $320M in total deposits. It is headquartered in Northfield, Minnesota (FDIC Certificate #5219).
Community Resource Bank has a Tier 1 capital ratio of 12.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.43%, and the return on assets is 1.11%.
Yes. Community Resource Bank is FDIC-insured (Certificate #5219). 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 Resource Bank'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.