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Overview / Commentary
7701 France Avenue South
Edina, MN 55435

Minnesota Bank & Trust is headquartered in Edina and is the 105th largest bank in the state of Minnesota. It is also the 3,474th largest bank in the nation. It was established in 2008 and as of June of 2014, it had grown to 34 employees at 1 location. Minnesota Bank & Trust has a B+ health rating.

Reviews (1)

Rewards Checking Rate Cut January 1, 2012

Just popped in to set up an account and was told rewards checking rate would be dropping to 2.5%. 5 stars for being up front and honest with me.


Data for Q2 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 June 30, 2014 Minnesota Bank & Trust had $0 in non-current loans and owned real-estate with $15.18 million in equity and loan loss allowances on hand to cover it. This gives Minnesota Bank & Trust a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Minnesota Bank & Trust has increased its total deposits by $3.01 million, resulting in 2.07% 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 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. Minnesota Bank & Trust has $165.25 million in assets with $15.18 million in equity, resulting in a capitalization level of 9.18%, which is average.

Institution Statistics

FDIC Certificate #58818
Year Established2008
Primary RegulatorFDIC
Assets and Liabilities
Assets$165.25 million
Loans$105.91 million
Deposits$148.26 million
Equity Capital$14.10 million
Loan Loss Allowance$1.07 million
Real Estate Owned$0
Historic Data - June 2013
Assets$164.71 million
Equity Capital$14.13 million
Loan Loss Allowance$944,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.22%
Return on Equity2.58%
Interest Income$2.88 million
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Minnesota Bank & Trust Checking Account Rates

2.01%-$20kCash Rewards Checking - Qualifying
0.01%--Cash Rewards Checking - Non Qualifying

Minnesota Bank & Trust CD Rates

2.00%$1k-7 Year CD
1.60%$1k-60 Month CD
1.20%$1k-48 Month CD
0.85%$1k-36 Month CD
0.50%$1k-24 Month CD
0.40%$1k-18 Month CD
0.30%$1k-6 Month CD
0.30%$1k-12 Month CD
0.25%$1k-3 Month CD

Minnesota Bank & Trust IRA Rates

2.00%$1k-7 Year IRA
1.60%$1k-60 Month IRA
1.20%$1k-48 Month IRA
0.85%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.40%$1k-18 Month IRA
0.30%$1k-6 Month IRA
0.30%$1k-12 Month IRA
0.25%$1k-3 Month IRA

Minnesota Bank & Trust Locations
Minnesota Bank & Trust7701 France Avenue SouthEdina, MN 55435