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Community Bank Owatonna
Owatonna, MN · FDIC Certificate #57468 · Chartered 01/1
Total assets
$103.26M
Total deposits
$94.65M
Total equity
$7.25M
Net loans
$72.47M
Branches (offices)
1
Net income (YTD)
$406.00K
Rank: #3,658 of 4,213 U.S. banks by assets · #168 of 221 in Minnesota. Assets changed 9.8% and deposits 9.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 11.59% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 7.02% |
| Tier 1 leverage ratio | 7.98% |
| Uninsured deposits (share of deposits) | 12.7% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 76.6% |
| Real estate loans (share of loans) | 80.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $58.56M | 80.8% | |
| Commercial & industrial | $11.08M | 15.3% | |
| Consumer / individual | $1.54M | 2.1% | |
| Construction & development | $1.97M | 2.7% | |
| Agricultural | $1.97M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $80.49M | $74.47M | $193.00K | $5.00M |
| Jun 2023 | $88.33M | $82.16M | $184.00K | $5.06M |
| Jun 2024 | $89.51M | $82.28M | $71.00K | $5.44M |
| Jun 2025 | $94.03M | $86.37M | $188.00K | $6.04M |
| Jun 2026 | $103.26M | $94.65M | $406.00K | $7.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $94.65M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $94.65M.
Similar-sized banks
The International Bank Of Amherst ($103.59M) · Auburn Savings Bank, FSB ($103.25M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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