Community Bank Owatonna

Overview / Commentary

www.cbowatonna.com

507-455-2265

640 Bridge Street
Owatonna, MN 55060

Community Bank Owatonna is headquartered in Owatonna and is the 221^st largest bank in the state of Minnesota. It is also the 4,786^th largest bank in the nation. It was established in 2003 and as of March of 2019, it had grown to 11 employees at 1 location. Community Bank Owatonna's money market rates are 2X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Community Bank Owatonna has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	57468
Year Established	2003
Employees	11
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	3.86%
Annual Interest Income	$585.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$57.2MM$54.9MM
Loans	Q1 2019vs Q1 2018	$40.0MM$35.3MM
Deposits	Q1 2019vs Q1 2018	$51.0MM$49.0MM
Equity Capital	Q1 2019vs Q1 2018	$5.3MM$5.1MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$438.00K$436.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$100.00K$100.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$37.00K

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Bank Owatonna Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$10k^*	-	Health Savings
OTHER TIERS: 0.20% → Up to $5k \| 0.40% → $5k - $10k
0.25%^*	$10k^*	-	Classic Savings
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $10k
0.25%	$25	-	Early Saver Savings
0.25%^*	$10k^*	-	Business Classic Savings
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $10k

Community Bank Owatonna Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%^*	$90k^*	-	Smart Rate Money Market
OTHER TIERS: 0.30% → Up to $25k \| 0.55% → $25k - $50k \| 0.70% → $50k - $90k
0.50%^*	$50k^*	-	Business Money Market Savings
OTHER TIERS: 0.30% → Up to $25k \| 0.40% → $25k - $50k

Community Bank Owatonna Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$10k^*	-	Prime Checking
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $10k
0.25%^*	$10k^*	-	"55" Classic Checking
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $10k
0.10%	-	-	Classic Checking With Interest
0.10%	-	-	Business Checking With Interest

Community Bank Owatonna CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.65%	$5k	-	51 Month CD Special
2.65%	$5k	-	Business 51 Month CD Special
2.55%	$5k	-	30 Month CD Special
2.55%	$5k	-	Business 30 Month CD Special
2.30%	$5k	-	9 Month CD Special
2.30%	$5k	-	Business 9 Month CD Special
2.00%	$1k	-	5 Year CD
2.00%	$1k	-	Business 5 Year CD
1.50%	$1k	-	4 Year CD
1.50%	$1k	-	Business 4 Year CD
1.25%	$1k	-	3 Year CD
1.25%	$1k	-	Business 3 Year CD
0.75%	$1k	-	2 Year CD
0.75%	$1k	-	Business 2 Year CD
0.50%	$1k	-	1 Year CD
0.50%	$1k	-	Business 1 Year CD
0.25%	$1k	-	182 Day CD
0.25%	$1k	-	Business 182 Day CD
0.15%	$1k	-	91 Day CD
0.15%	$1k	-	Business 91 Day CD

Locations

Community Bank Owatonna Locations
Community Bank Owatonna	640 Bridge Street	Owatonna, MN 55060

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