Minster Bank

Overview / Commentary

www.minsterbank.com

419-628-2351

95 West 4th Street
Minster, OH 45865

Minster Bank is headquartered in MINSTER and is the 46^th largest bank in the state of Ohio. It is also the 1,312^th largest bank in the nation. It was established in 1914 and as of June of 2024, it had grown to 96 employees at 7 locations. Minster Bank's money market rates are 8X the national average, and it has a B health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	763
Year Established	1914
Employees	96
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.22%
Return on Equity - YTD	17.06%
Annual Interest Income	$16.1MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$734.3MM$721.3MM
Loans	Q2 2024vs Q2 2023	$353MM$323.6MM
Deposits	Q2 2024vs Q2 2023	$658.9MM$653.7MM
Equity Capital	Q2 2024vs Q2 2023	$53.8MM$46.1MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$4.4MM$3.9MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$3.6MM$198K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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

Minster Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$25k^*	-	Investment Savings
OTHER TIERS: 0.45% → $0 - $5k \| 0.50% → $5k - $10k \| 0.70% → $10k - $25k
1.50%^*	$25k^*	-	Investment Savings IRA
OTHER TIERS: 0.45% → $0 - $5k \| 0.50% → $5k - $10k \| 0.70% → $10k - $25k
0.35%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.20% → $0 - $5k \| 0.25% → $5k - $10k \| 0.30% → $10k - $25k
0.25%	$0	-	Minor Savings
0.25%	$0	-	America Saves
0.25%	$0	-	Regular Savings
0.20%	$0	-	Holiday Savings

Minster Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.30%^*	$500k^*	-	Money Market Advantage
OTHER TIERS: 0.70% → $0 - $25k \| 1.50% → $25k - $100k \| 2.30% → $100k - $250k \| 2.80% → $250k - $500k
3.30%^*	$500k^*	-	Money Market Advantage IRA
OTHER TIERS: 0.70% → $0 - $25k \| 1.50% → $25k - $100k \| 2.30% → $100k - $250k \| 2.80% → $250k - $500k

Minster Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%^*	$25k^*	-	Relationship Checking
OTHER TIERS: 0.35% → $0 - $5k \| 0.55% → $5k - $10k \| 0.70% → $10k - $25k
0.20%	$0	-	Interest Checking

Minster Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.15%^*	$100k^*	-	7 Month CD
OTHER TIERS: 3.75% → $1k - $5k \| 3.95% → $5k - $100k
3.70%^*	$100k^*	-	17 Month CD
OTHER TIERS: 3.25% → $1k - $5k \| 3.50% → $5k - $100k

Minster Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.15%^*	$100k^*	-	7 Month IRA
OTHER TIERS: 3.75% → $1k - $5k \| 3.95% → $5k - $100k
3.70%^*	$100k^*	-	17 Month IRA
OTHER TIERS: 3.25% → $1k - $5k \| 3.50% → $5k - $100k

Locations

Minster Bank Locations
Sidney Banking Center Branch	117 West Russell Road	Sidney, OH 45365
Troy Banking Center Branch	1280 Experiment Farm Rd	Troy, OH 45373
St. Marys Banking Center Branch	301 West High Street	St. Marys, OH 45885
New Bremen Branch	443 South Washington Street	New Bremen, OH 45869
Wapakoneta Banking Center Branch	607 North Defiance Street	Wapakoneta, OH 45895
Minster Bank	95 W 4th St	Minster, OH 45865
Minster Bank At Wagners Iga	265 East Fourth Street	Minster, OH 45865
Vandalia-Butler Branch	8530 North Dixie Drive	Dayton, OH 45414

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