$30M
+9.5%y/y
Percentile by value36th percentileby value
FDIC
ASSETMF
Minnesota First Credit and Savings, Incorporated
Rochester, MinnesotaFDIC Cert #26755
STATEEstablished 19564 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMinnesota First Credit and Savings, Incorporated reported $30M in total assets. Deposits grew 13.28% over the prior year.
Return on assets was 0.30%, compared with the official FFIEC UBPR peer median of 0.90%. The leverage ratio was 14.23%.
- Why is Deposit Growth, Year over Year above its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$25.1M
+13.3%y/y
Percentile by value41st percentileby value
FDIC
DEP$25.6M
+8.9%y/y
Percentile by value87th percentileby value
FDIC
LNLSNET0.30%
+16 bpsy/y
Peer standing24th percentile
FDIC
NETINC + ROA92.36%
−426 bpsy/y
Peer standing23rd percentile
FDIC
NONIX + NIM + NONII + EEFFR14.23%
−111 bpsy/y
Peer standing62nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 136 ffiec ubpr peer group 8 — insured commercial banks having assets less than $50 million.
Side-by-side comparison
Minnesota First Credit and Savings, Incorporated beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.30%
Registry median
0.90%
This bank
2.09%
FFIEC trimmed average
6.20%
This bank
4.20%
Registry median
3.85%
This bank
92.36%
Registry median
75.82%
This bank
+13.28%
FFIEC trimmed average
+1.52%
This bank
+8.94%
FFIEC trimmed average
+3.22%
This bank
0.11%
FFIEC trimmed average
0.89%
This bank
14.23%
FFIEC trimmed average
16.34%
This bank
3.87%
Registry median
1.78%
This bank
14%
Registry median
9%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.30%
Registry median
1.25%
This bank
2.09%
FFIEC trimmed average
12.39%
This bank
4.20%
Registry median
3.93%
This bank
92.36%
Registry median
61.59%
This bank
+13.28%
FFIEC trimmed average
+4.21%
This bank
+8.94%
FFIEC trimmed average
+4.98%
This bank
0.11%
FFIEC trimmed average
0.77%
This bank
14.23%
FFIEC trimmed average
10.48%
This bank
3.87%
Registry median
2.26%
This bank
14%
Registry median
97%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $25.3M | $20.2M |
| Q3 2021 | $25.2M | $20M |
| Q4 2021 | $24.6M | $19.5M |
| Q1 2022 | $25.1M | $19.9M |
| Q2 2022 | $24.8M | $19.7M |
| Q3 2022 | $24.6M | $19.7M |
| Q4 2022 | $25.2M | $20.5M |
| Q1 2023 | $24.4M | $19.7M |
| Q2 2023 | $24.7M | $19.5M |
| Q3 2023 | $24.4M | $19.2M |
| Q4 2023 | $24.7M | $18.4M |
| Q1 2024 | $25.4M | $19.1M |
| Q2 2024 | $24.8M | $18.6M |
| Q3 2024 | $25.4M | $19.7M |
| Q4 2024 | $26M | $20.8M |
| Q1 2025 | $27.4M | $22.1M |
| Q2 2025 | $27.3M | $22.7M |
| Q3 2025 | $28.1M | $23M |
| Q4 2025 | $28.9M | $24M |
| Q1 2026 | $30M | $25.1M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $622K |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $16.6M |
| C&I | $327K |
| Agriculture | $0 |
| Other | $8.47M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.30%24th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.56%Median 0.90%90th 2.26%Observations 136
ROE
FDIC
NETINC + ROE2.09%26th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −3.28%Median 7.12%90th 15.63%Observations 136
NIM
FDIC
NIM + NIMY4.20%64th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.78%Median 3.85%90th 5.10%Observations 136
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR92.36%23rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.02%Median 75.82%90th 114.19%Observations 136
Deposits YoY
FDIC
DEP+13.28%90th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −9.27%Median +0.92%90th +12.70%Observations 135
Loans YoY
FDIC
LNLSNET+8.94%75th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −9.88%Median +2.06%90th +21.05%Observations 127
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%44th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.22%90th 3.65%Observations 127
Leverage
FDIC
RBC1AAJ14.23%62nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.98%Median 13.22%90th 30.79%Observations 136
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.87%5th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.94%Median 1.78%90th 3.06%Observations 133
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC14%58th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 85%Observations 65
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.30%10th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.30%Median 1.25%90th 2.00%Observations 221
ROE
FDIC
NETINC + ROE2.09%8th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.45%Median 12.45%90th 20.18%Observations 221
NIM
FDIC
NIM + NIMY4.20%68th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.10%Median 3.93%90th 4.76%Observations 221
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR92.36%5th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.26%Median 61.59%90th 81.98%Observations 221
Deposits YoY
FDIC
DEP+13.28%88th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.47%Median +3.33%90th +14.82%Observations 221
Loans YoY
FDIC
LNLSNET+8.94%76th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.27%Median +4.77%90th +17.16%Observations 221
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%25th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.43%90th 2.57%Observations 221
Leverage
FDIC
RBC1AAJ14.23%90th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.48%Median 10.20%90th 14.23%Observations 221
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.87%3rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.47%Median 2.26%90th 3.35%Observations 221
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC14%12th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 97%90th 262%Observations 162
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Rochester, MN
FDIC
OFFDOMOpen the Minnesota dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data