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Minnesota First Credit And Savings, Incorporated
Rochester, MN · FDIC Certificate #26755 · Chartered 01/0
Total assets
$29.89M
Total deposits
$24.90M
Total equity
$4.23M
Net loans
$26.50M
Branches (offices)
4
Net income (YTD)
$46.00K
Rank: #4,148 of 4,213 U.S. banks by assets · #218 of 221 in Minnesota. Assets changed 9.3% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.31% |
| Return on equity | 2.18% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 14.15% |
| Tier 1 leverage ratio | 14.16% |
| Uninsured deposits (share of deposits) | 0.2% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 106.4% |
| Real estate loans (share of loans) | 65.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $17.26M | 65.1% | |
| Commercial & industrial | $344.00K | 1.3% | |
| Consumer / individual | $9.31M | 35.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $24.78M | $19.68M | $72.00K | $4.19M |
| Jun 2023 | $24.69M | $19.46M | $39.00K | $4.25M |
| Jun 2024 | $24.81M | $18.64M | $24.00K | $4.13M |
| Jun 2025 | $27.35M | $22.74M | $45.00K | $4.15M |
| Jun 2026 | $29.89M | $24.90M | $46.00K | $4.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $24.90M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $24.90M.
Similar-sized banks
First State Bank Of St. Peter ($30.12M) · St. Martin National Bank ($29.38M)
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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