Minnesota Bank & Trust

Minnesota Bank & Trust is headquartered in Edina and is the 178^th largest bank in the state of Minnesota. It is also the 5,072^nd largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 28 employees at 1 location. Minnesota Bank & Trust has a 5-star health rating.

Minnesota Bank & Trust Routing Number: 091018302

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Minnesota Bank & Trust IRA Rates

Data for Q1 2012

Institution Statistics Minnesota Bank & Trust FDIC Certificate # 58818 BankRate Report View Year Established 2008 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $95.46 million Loans $73.82 million Deposits $78.34 million Equity Capital $13.80 million Loan Loss Allowance $747,000 Unbacked Noncurrent Loans $6,000 Historic Data - March 2011 Assets $62.25 million Equity Capital $13.68 million Loan Loss Allowance $636,000 Unbacked Noncurrent Loans $2.24 million Profit Margin - Quarterly Net Interest Margin 4.6% Return on Assets -0.58% Return on Equity -3.73% Interest Income $1.03 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Minnesota Bank & Trust had $6,000 in non-current loans and owned real-estate with $14.55 million in equity and loan loss allowances on hand to cover it. This gives Minnesota Bank & Trust a Texas Ratio of 0.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Minnesota Bank & Trust decreased significantly from 15.63% as of March 31, 2011 to 0.04% as of March 31, 2012, resulting in a positive change of 99.74%.This indicates that the balance sheet and financial strength for Minnesota Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, Minnesota Bank & Trust has increased its total deposits by $32.13 million, resulting in 69.54% 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 Minnesota Bank & Trust has shown is excellent. Capitalization 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. Minnesota Bank & Trust has $95.46 million in assets with $14.55 million in equity, resulting in a capitalization level of 15.24%, which is excellent.