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Sentry Bank
Saint Joseph, MN · FDIC Certificate #8546 · Chartered 11/0
Total assets
$415.46M
Total deposits
$365.03M
Total equity
$36.95M
Net loans
$306.05M
Branches (offices)
4
Net income (YTD)
$2.46M
Rank: #2,019 of 4,213 U.S. banks by assets · #62 of 221 in Minnesota. Assets changed 18.9% and deposits 21.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 13.60% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 8.89% |
| Tier 1 leverage ratio | 8.66% |
| Uninsured deposits (share of deposits) | 23.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.8% |
| Real estate loans (share of loans) | 81.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $248.74M | 81.3% | |
| Commercial & industrial | $56.22M | 18.4% | |
| Consumer / individual | $3.91M | 1.3% | |
| Construction & development | $31.91M | 10.4% | |
| Agricultural | $941.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $282.57M | $247.22M | $1.47M | $21.61M |
| Jun 2023 | $308.28M | $258.37M | $1.07M | $22.11M |
| Jun 2024 | $319.16M | $272.63M | $1.45M | $28.53M |
| Jun 2025 | $349.34M | $299.53M | $1.90M | $33.05M |
| Jun 2026 | $415.46M | $365.03M | $2.46M | $36.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $365.03M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $365.03M.
Similar-sized banks
Fleetwood Bank ($415.59M) · Paradise Bank ($415.22M)
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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