Minnwest Bank
Minnwest Bank reported total assets of $2.9 bn at Q2 2026, up 0.6% on a year earlier, the 430th largest of 497 banks in our US coverage. The CET1 capital ratio at Minnwest Bank was 12.08%, and the uninsured share of Minnwest Bank was 26.40%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Minnwest Bank climbed from 405th to 223rd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , Minnwest Bank has taken over 4 institutions; the latest was Roundbank on (FDIC Call Reports).
- Over the year to , the net interest margin of Minnwest Bank rose by 0.73 pp to 4.23%, a bigger rise than at 97% of covered banks (FDIC Call Reports).
What sets Minnwest Bank apart
How large is Minnwest Bank?
The balance sheet of Minnwest Bank at : assets $2.9 bn, deposits $2.6 bn, net loans $2.3 bn (loans equal to 90.29% of deposits). Securities make up 11.2% of total assets at Minnwest Bank. Since , when Minnwest Bank held $1.6 bn, its assets grew 82.6%. In the year to , deposits at Minnwest Bank fell 0.4% while its total assets rose 0.6%. At , Minnwest Bank employed 380 full-time equivalent staff across 36 offices, about $7.7 mn of assets per employee and $71.4 mn of deposits per office.
How much funding at Minnwest Bank is uninsured?
At Minnwest Bank, uninsured deposits (above the FDIC limit) made up 26.40% of domestic deposits at (+4.02 pp on a year earlier); Minnwest Bank ranks 360th of 500 on this measure. In dollars, Minnwest Bank estimated $678.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | -0.4% | 408th of 499 |
| Net loans and leases | $2.3 bn | +6.5% | 392nd of 500 |
| Loan-to-deposit ratio | 90.29% | +5.86 pp | 187th of 500 |
| Tier 1 leverage ratio | 10.80% | +1.14 pp | 193rd of 500 |
| Total risk-based capital ratio | 13.33% | +0.30 pp | 321st of 448 |
| Net interest margin | 4.23% | +0.73 pp | 93rd of 500 |
| Return on assets (ROA) | 1.14% | +0.32 pp | 331st of 500 |
| Efficiency ratio | 59.02% | -4.09 pp | 316th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $15.5 mn | Narrowed by $6.4 mn | |
| Noncurrent loans to total loans | 0.56% | -0.45 pp | 223rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.20% | +0.06 pp | 348th of 500 (1 = lowest) |
US rank of Minnwest Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Minnwest Bank: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.6bn
- Net loans $2.3bn
Capital and securities
The CET1 ratio of Minnwest Bank stood at 12.08% in , +0.30 pp year on year. Low and high at Minnwest Bank since : 10.04% () to 14.86% (). Equity capital of Minnwest Bank at : $338.2 mn, or 11.5% of total assets. Minnwest Bank also reported a total capital ratio of 13.33% for , and a tier 1 leverage ratio of 10.80%.
The available-for-sale portfolio of Minnwest Bank showed an unrealized loss of $15.5 mn at ; the loss narrowed by $6.4 mn over the year.
Minnwest Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 11%
Minnwest Bank: unrealized securities gains and losses
- Available for sale -$16mn
- Held to maturity $0
Profitability and loan quality
For the year to , Minnwest Bank earned a return on equity of 10.26%; return on assets: 1.14%. Net interest margin at Minnwest Bank: 4.23%, +0.73 pp in a year. Minnwest Bank net income: $17.0 mn, up 34.7% year on year. The efficiency ratio of Minnwest Bank was 59.02%: about 59 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.56% of total loans at Minnwest Bank; net charge-offs: 0.20% of average loans. Gross loans and leases at Minnwest Bank: $2.4 bn, up 6.4% in a year.
Minnwest Bank: profitability
- Return on equity 10%
- Net interest margin 4.2%
- Return on assets 1.1%
Peer group of Minnwest Bank
The peer group of Minnwest Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Minnwest Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Minnesota. Against them, Minnwest Bank shows CET1 ratio 12.08% against a peer median of 12.09%, return on equity 10.26% against a peer median of 11.91% and uninsured deposit share 26.40% against a peer median of 52.30%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Texas Regional Bank | State member bank | TX | $2.9 bn | 12.06% | 3.26% | 53.69% | |
| West Coast Community Bank | State nonmember bank | CA | $2.9 bn | 13.15% | 15.04% | 56.26% | |
| First Federal Savings and Loan Association of Lakewood | Federal savings bank | OH | $2.9 bn | 11.93% | 7.30% | 19.13% | |
| Minnwest Bank | State nonmember bank | MN | $2.9 bn | 12.08% | 10.26% | 26.40% | |
| Bryant Bank | State nonmember bank | AL | $2.9 bn | 18.98% | 16.94% | 57.57% | |
| NEXTIER BANK | National bank | PA | $2.9 bn | 12.11% | 13.27% | 50.92% | |
| Wayne Bank | State nonmember bank | PA | $2.9 bn | 11.09% | 10.55% | 37.03% | |
. FDIC Call Reports.
Last eight quarters
Two years at Minnwest Bank, to : assets -6.9%, deposits -6.2%, equity +15.1%. Staff 384 to 380; offices 37 to 36.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.2 bn | $3.2 bn | $3.1 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.0 bn | $2.9 bn |
| Total deposits | $2.7 bn | $2.8 bn | $2.8 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Bank equity capital | $293.8 mn | $295.0 mn | $301.2 mn | $306.5 mn | $317.2 mn | $326.0 mn | $330.5 mn | $338.2 mn |
| CET1 ratio | 10.66% | 10.68% | 11.14% | 11.78% | 12.51% | 12.30% | 12.10% | 12.08% |
| Return on equity (ROE) | 7.38% | 7.62% | 7.74% | 8.40% | 9.20% | 9.00% | 11.39% | 10.26% |
| Uninsured share of domestic deposits | 20.47% | 22.08% | 21.23% | 22.38% | 23.80% | 26.25% | 24.86% | 26.40% |
| Full-time equivalent employees | 384 | 388 | 390 | 392 | 391 | 395 | 384 | 380 |
| Number of offices | 37 | 36 | 36 | 36 | 36 | 36 | 36 | 36 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Minnwest Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Security State Bank of Lewiston (FDIC certificate 10201).
- . Absorbed First State Bank (FDIC certificate 15787).
- . Absorbed Peoples State Bank (FDIC certificate 9950).
- . Absorbed Roundbank (FDIC certificate 5271).
Questions and identifiers
What were the total assets of Minnwest Bank?
Minnwest Bank reported $2.9 bn at in its Call Report. That makes Minnwest Bank the 430th largest of 497 banks in our US coverage.
Is Minnwest Bank the same as its holding company?
No. This page covers Minnwest Bank, FDIC certificate 16958; MINNWEST CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Minnwest Bank profitable?
Minnwest Bank reported net income of $17.0 mn for the year to ; annualized return on equity: 10.26%. So yes: Minnwest Bank made a profit over these months.
When is data for Minnwest Bank next updated?
Figures from Minnwest Bank for are due after .
Where can I check the figures for Minnwest Bank?
In the FDIC BankFind Suite record for certificate 16958, and in the Call Reports of Minnwest Bank (RSSD ID 302656) at the FFIEC Central Data Repository.