Minnstar Bank National Assn
Lake Crystal, Minnesota · FDIC Cert #13809
This is the FDIC profile for Minnstar Bank National Assn, an FDIC-insured bank (Certificate #13809) with $205M in total assets and $174M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Lake Crystal, Minnesota, the bank maintains a Tier 1 capital ratio of 13.04% (Well-Capitalized) and a nonperforming loan ratio of 0.30%. BankHealthData assigns a composite Health Grade of B (66/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Minnstar Bank National Assn (FDIC cert 13809) is a community bank — $205M in total assets, $174M in deposits, serving the Lake Crystal, 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 13.04% 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 0.30% 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: 7.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.05% 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 positive across the recent-quarters window. The directional signal is favorable but not dramatic. Minnstar Bank National Assn carries a composite BankHealth grade of B (66/100) 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: Minnstar Bank National Assn
- Total Assets
- $205M
- Total Deposits
- $174M
- Tier 1 Capital Ratio
- 13.04%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.30%
- Liquidity Ratio
- 7.30%
- Return on Assets
- 1.05%
- Headquarters
- Lake Crystal, Minnesota
- FDIC Certificate
- #13809
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Minnstar Bank National Assn files quarterly Call Reports with the FDIC under Certificate #13809. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Minnstar Bank National Assn holds a Tier 1 capital ratio of 13.04%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Minnstar Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Minnstar Bank National Assn shows strong financial health indicators. With $205M in assets and a Health Score of 66/100, 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 Minnstar Bank National Assn Compares
Minnstar Bank National Assn’s Health Score of 66 is 14 points below the Minnesota state average of 80 across 225 FDIC-insured banks. Its 13.04% Tier 1 capital ratio is 1.0 points below the US banking industry average near 14%. The 0.30% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.05% is below the national ROA benchmark of ~1.1%. Among 1526 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Minnstar Bank National Assn is 14 points below the portfolio average of 80.
Frequently Asked Questions
Minnstar Bank National Assn has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.04%, 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. Minnstar Bank National Assn's Tier 1 capital ratio of 13.04% and nonperforming loan ratio of 0.30% 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 Minnstar Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13809). 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.
Minnstar Bank National Assn holds $205M in total assets and $174M in total deposits. It is headquartered in Lake Crystal, Minnesota (FDIC Certificate #13809).
Minnstar Bank National Assn's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #13809 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Minnstar Bank National Assn has a Tier 1 capital ratio of 13.04%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.30%, and the return on assets is 1.05%.
Yes. Minnstar Bank National Assn is FDIC-insured (Certificate #13809). 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%).
Minnstar Bank National Assn'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.