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Minnstar Bank National Association

Lake Crystal, MN · Est. 1934 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Minnstar Bank National Association is a bank based in Lake Crystal, Minnesota, established in 1934, with $197 million in total assets across 2 branches. By Trust Grade it ranks 24th of 224 banks we track in Minnesota. Its capital ratio of 11.1% is stronger than 64% of similarly sized banks, versus a Minnesota median of 9.5%. It was profitable over the most recent period, with a 1.00% return on assets. No consumer complaints against Minnstar Bank National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$197.4M
$100M–1B institution
Deposits
$172.8M
Branches
2
Capital ratio
11.1%
Top 36% of $100M–1B peers · Minnesota median 9.5%
Return on assets
1.0%
Bottom 38% of $100M–1B peers · Minnesota median 1.24%
Rank in Minnesota
#24
of 224 banks

How Minnstar Bank National Association compares to Minnesota peers

Capital ratio
Top 36% of $100M–1B peers
Minnstar Bank
11.1%
Minnesota median
9.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 38% of $100M–1B peers
Minnstar Bank
1.0%
Minnesota median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Minnstar Bank National Association

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (11.1% capital ratio)
  • Profitable (ROA 1.00%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Minnstar Bank National Association over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (2)

  • 201 Poplar St, Mankato, MN 56001
  • 202 N Main St, Lake Crystal, MN 56055

Are deposits at Minnstar Bank National Association insured?

Yes. Minnstar Bank National Association is an FDIC-insured bank (FDIC certificate #13809). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Minnstar Bank National Association: frequently asked questions

Is Minnstar Bank National Association a good bank?

Minnstar Bank National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Profitable (ROA 1.00%).

Is Minnstar Bank National Association FDIC-insured?

Yes. Minnstar Bank National Association is a FDIC-insured bank (FDIC certificate #13809). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Minnstar Bank National Association?

Minnstar Bank National Association holds $197 million in total assets, ranking 24th of 224 banks we track in Minnesota. It operates 2 branches.

Does Minnstar Bank National Association have CFPB complaints?

No CFPB complaints against Minnstar Bank National Association appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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