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Overview / Commentary
1605 Heritage Drive
Northfield, MN 55057

Community Resource Bank is headquartered in Northfield and is the 69th largest bank in the state of Minnesota. It is also the 2,664th largest bank in the nation. It was established in 1878 and as of March of 2014, it had grown to 64 employees at 4 locations. Community Resource Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Resource Bank had $4.37 million in non-current loans and owned real-estate with $29.04 million in equity and loan loss allowances on hand to cover it. This gives Community Resource Bank a Texas Ratio of 15.06% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Resource Bank decreased dramatically from 23.46% as of March 31, 2013 to 15.06% as of March 31, 2014, resulting in a positive change of 35.78%.This indicates that the balance sheet and financial strength for Community Resource Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Community Resource Bank has increased its total deposits by $3.3 million, resulting in 1.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Resource Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Resource Bank has $239.14 million in assets with $29.04 million in equity, resulting in a capitalization level of 12.14%, which is excellent.

Institution Statistics

FDIC Certificate #5219
Year Established1878
Primary RegulatorFED
Assets and Liabilities
Assets$239.14 million
Loans$160.66 million
Deposits$199.67 million
Equity Capital$25.31 million
Loan Loss Allowance$3.72 million
Unbacked Noncurrent Loans$2.23 million
Real Estate Owned$2.15 million
Historic Data - March 2013
Assets$232.19 million
Equity Capital$24.98 million
Loan Loss Allowance$3.92 million
Unbacked Noncurrent Loans$2.23 million
Real Estate Owned$3.14 million
Profit Margin - Quarterly
Net Interest Margin3.9%
Return on Assets0.4%
Return on Equity3.83%
Interest Income$2.39 million
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Community Resource Bank CD Rates

1.50%--59 Month Special Bump Your Rate CD
1.00%$5k-41 Month Special Bump Your Rate CD
0.85%$10k$25k60 Month CD
0.75%$25k-48 Month CD
0.70%$5k-25 Month Special Bump Your Rate CD
0.60%$25k-36 Month CD
0.60%$25k-42 Month Community Plus CD
0.45%$25k-30 Month Community Plus CD
0.35%$25k-24 Month CD
0.30%$25k-18 Month Community Plus CD
0.30%$5k-10 Month Special Bump Your Rate CD
0.25%$25k-12 Month CD
0.15%$25k-6 Month CD
0.15%$25k-9 Month Community Plus CD
0.10%$25k-3 Month CD

Community Resource Bank Locations
Roseville Branch1501 West County Road CRoseville, MN 55113
Community Resource Bank1605 Heritage DriveNorthfield, MN 55057
Cannon Falls Branch31825 65th AvenueCannon Falls, MN 55009
Branch618 Division StreetNorthfield, MN 55057