Minnstar Bank National Association: how it compares with its peers
Against 103 MN banks with half to twice its assets, Minnstar Bank National Association's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $7.2M peer median). Its weakest relative measure is return on assets (1.07% vs. 1.32%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.07% | 1.32% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 4.02% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.76% | 62.39% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.2M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.22% | 76.39% | Context |
What it means for lending operations
Its efficiency ratio of 61.76% is better than the 62.39% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Wadena State Bank Wadena, MN · $207M
- Keen Bank, National Association Waseca, MN · $201M
- Grand Marais State Bank Grand Marais, MN · $207M
- ESB Bank Caledonia, MN · $209M
- Farmers State Bank of Hamel Hamel, MN · $198M
- F & M Community Bank, National Association Preston, MN · $211M
Questions about Minnstar Bank National Association
How big is Minnstar Bank National Association?
Minnstar Bank National Association, established in 1934, is headquartered in Lake Crystal, MN. It reported $204M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Minnstar Bank National Association's return on assets?
1.07% annualized in Q2 2026, against a 1.32% median for 103 MN banks with half to twice its assets, ahead of 36% of them.
What is Minnstar Bank National Association's efficiency ratio?
61.76% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 62.39%, and lower is better.
Is Minnstar Bank National Association growing its loans?
Net loans grew 9.5% over the year to Q2 2026, while deposits grew 8.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.