🏦Bank Scorer

MINNSTAR BANK NATIONAL ASSOCIATION

LAKE CRYSTAL, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #13,809
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Address

202 N Main St, LAKE CRYSTAL, MN

County

Blue Earth County

Established

January 29, 1934

Total Assets

$197M(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

May 28, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$197M

Total Deposits

$173M

Net Loans

$168M

Net Income

$485K

ROA

1.00%

ROE

8.99%

Risk-Based Capital

15.55%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$166M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244889.58%4.17%
20235196.08%1.96%
20228093.75%2.50%
20196275.81%14.52%
20185994.92%1.69%

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

Rating History

CRA / FFIEC

8 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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