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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Minster, OH · FDIC certificate #763
MINSTER BANK is an FDIC-insured institution based in Minster, OH (FDIC certificate #763). In its Q3 2026 Call Report it reported total assets of $842M, total deposits of $753M and net loans of $463M. Its primary federal regulator is FED.
Plain-language readout
MINSTER BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $842M in Q3 2026 and were lowest at $812M in Q2 2026.
Total deposits were highest at $753M in Q3 2026 and lowest at $719M in Q2 2026.
Over the whole period total assets rose 3.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $842M | $753M | $463M | 1.64% | 19.29% | 3.78% |
| Q2 2026 | $812M | $719M | $457M | 1.62% | 19.04% | 3.80% |
| Q1 2026 | $814M | $723M | $448M | 1.55% | 18.62% | 3.70% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $86.0M | $81.2M | +$4.8M | +5.9% |
| Federal funds sold | $3.0M | $12.7M | -$9.8M | -76.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $238.7M | $245.6M | -$6.9M | -2.8% |
| Equity securities with readily determinable fair values, not held for trading | $68K | $63K | +$5K | +7.9% |
| Loans and leases held for sale | $2.7M | $1.1M | +$1.5M | +133.7% |
| Net loans and leases (after allowance) | $454.3M | $446.4M | +$7.9M | +1.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.4M | $6.4M | -$22K | -0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $54K | $48K | +$6K | +12.5% |
| All other assets | $20.4M | $20.4M | +$66K | +0.3% |
| Total assets | $811.6M | $814.0M | -$2.4M | -0.3% |
| Liabilities | ||||
| Total deposits | $719.4M | $723.0M | -$3.6M | -0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $13.8M | $16.3M | -$2.5M | -15.1% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $785K | $810K | -$25K | -3.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.4M | $6.0M | -$540K | -9.1% |
| Total liabilities | $739.4M | $746.1M | -$6.6M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $4.9M | $4.9M | $0K | 0.0% |
| Surplus | $5.1M | $5.1M | $0K | 0.0% |
| Retained earnings | $73.4M | $69.9M | +$3.4M | +4.9% |
| Accumulated other comprehensive income | -$11.2M | -$12.0M | +$801K | +6.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $72.2M | $68.0M | +$4.2M | +6.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $650K | $711K | -$61K | -8.6% |
| Adjusted nonperforming assets | $650K | $711K | -$61K | -8.6% |
| Tangible equity plus allowance | $77.7M | $73.1M | +$4.6M | +6.3% |
| Texas ratio (gross) | 0.84% | 0.97% | -0.14 pts | See points |
| Texas ratio (adjusted) | 0.84% | 0.97% | -0.14 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.40% | 3.77% | -1.37 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.09% | 15.87% | +0.21 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.09% | 15.87% | +0.21 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.13% | 1.08% | +0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.22% | 16.95% | +0.27 pts | See points |
| Tier 1 leverage (approximate) | 10.08% | 9.80% | +0.28 pts | See points |
| Construction and land loans to total capital | 22.48% | 19.86% | +2.62 pts | See points |
| Commercial real estate to total capital | 169.30% | 170.45% | -1.14 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -17.00% | -19.00% | +2.00 pts | See points |
| Liquidity | ||||
| Core deposits | $681.3M | $684.9M | -$3.6M | -0.5% |
| Non-core funding | $52.7M | $55.2M | -$2.5M | -4.5% |
| Loans to core deposits | 67.50% | 65.94% | +1.57 pts | See points |
| Loans to deposits | 63.93% | 62.46% | +1.46 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 45.89% | 45.03% | +0.86 pts | See points |
| Loans pledged, share of loans | 25.51% | 26.02% | -0.50 pts | See points |
| Volatile liabilities | $52.7M | $55.2M | -$2.5M | -4.5% |
| Earnings | ||||
| Earnings before provision, year to date | $8.9M | $4.2M | +$4.7M | +112.3% |
| Earnings before provision, single quarter | $4.7M | $4.2M | +$516K | +12.3% |
| Provision for credit losses, year to date | $738K | $288K | +$450K | +156.3% |
| Yield and cost | ||||
| Yield on loans and leases | 6.45% | 6.17% | +0.28 pts | See points |
| Yield on interest-bearing balances due from banks | 3.76% | 3.77% | -0.01 pts | See points |
| Total interest income to average assets | 4.89% | 4.70% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.62% | 0.62% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.47% | 1.44% | +0.04 pts | See points |
| Cost of time deposits | 3.45% | 3.51% | -0.05 pts | See points |
| Total interest expense to average assets | 1.23% | 1.20% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $842M | $753M | $463M | 1.64% | 19.29% | 3.78% |
| 2026-06-30 | $812M | $719M | $457M | 1.62% | 19.04% | 3.80% |
| 2026-03-31 | $814M | $723M | $448M | 1.55% | 18.62% | 3.70% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $683.4M | 0.12% | 52 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.