🏦Bank Scorer

21ST CENTURY BANK

LORETTO, MN · Supervised by FDIC

Est. 1917FDIC #9,751RSSD: FDIC-9751
Part ofCROSSTOWN HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.67%

Institution Profile

FDIC BankFind

Address

699 N Medina St, LORETTO, MN

County

Hennepin County

Established

June 2, 1917

Total Assets

$888M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$888M

Total Deposits

$678M

Net Loans

$670M

Net Income

$1M

ROA

0.67%

ROE

7.01%

Risk-Based Capital

15.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.41%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$624M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243775.68%5.41%
20233989.74%5.13%
20197091.43%5.71%
20189787.63%3.09%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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