Overview / Commentary
640 Bridge Street
Owatonna, MN 55060

Community Bank Owatonna is headquartered in Owatonna and is the 227th largest bank in the state of Minnesota. It is also the 4,828th largest bank in the nation. It was established in 2003 and as of December of 2018, 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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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

FDIC Certificate #57468
Year Established2003
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.54%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$56.5MM$55.5MM
LoansQ4 2018vs Q4 2017$39.1MM$35.1MM
DepositsQ4 2018vs Q4 2017$50.5MM$49.6MM
Equity CapitalQ4 2018vs Q4 2017$5.1MM$5.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$424.00K$419.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$0
Real Estate OwnedQ4 2018vs Q4 2017$0$37.00K
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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

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

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

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

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

Community Bank Owatonna Locations
Community Bank Owatonna640 Bridge StreetOwatonna, MN 55060

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