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Regulatory profile
Saint Cloud, MN · FDIC certificate #10988 · RSSD 141556
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $3.3B | $2.4B | $2.7B | 2.09% | 12.78% | 6.04% |
| 2026-03-31 | $3.3B | $2.5B | $2.8B | 2.10% | 12.81% | 5.97% |
| 2025-12-31 | $3.3B | $2.6B | $2.8B | 1.85% | 11.48% | 6.55% |
| 2025-09-30 | $3.4B | $2.5B | $2.8B | 1.60% | 10.04% | 6.45% |
| 2025-06-30 | $3.5B | $2.8B | $3.0B | 0.68% | 4.26% | 6.43% |
| 2025-03-31 | $3.2B | $2.5B | $2.8B | -0.41% | -2.44% | 6.30% |
| 2024-12-31 | $3.1B | $2.5B | $2.6B | 1.56% | 9.23% | 5.94% |
| 2024-09-30 | $3.3B | $2.5B | $2.6B | 1.28% | 7.59% | 5.79% |
| 2024-06-30 | $3.2B | $2.4B | $2.6B | 1.31% | 7.60% | 5.67% |
| 2024-03-31 | $3.2B | $2.3B | $2.6B | 0.94% | 5.27% | 5.48% |
| 2023-12-31 | $3.1B | $2.2B | $2.5B | 1.47% | 7.20% | 6.26% |
| 2023-09-30 | $2.8B | $2.2B | $2.3B | 0.93% | 4.38% | 6.21% |
| 2023-06-30 | $2.7B | $2.1B | $2.0B | 1.57% | 7.21% | 6.45% |
| 2023-03-31 | $2.7B | $2.1B | $1.9B | 1.92% | 8.57% | 6.53% |
| 2022-12-31 | $2.2B | $1.6B | $1.9B | 2.92% | 12.07% | 6.97% |
| 2022-09-30 | $2.0B | $1.4B | $1.8B | 2.67% | 11.09% | 6.61% |
| 2022-06-30 | $2.1B | $1.5B | $1.7B | 2.63% | 11.34% | 6.38% |
| 2022-03-31 | $2.2B | $1.6B | $1.6B | 2.16% | 9.63% | 5.84% |
| 2021-12-31 | $2.3B | $1.7B | $1.5B | 3.20% | 14.78% | 5.62% |
| 2021-09-30 | $2.3B | $1.7B | $1.4B | 3.06% | 14.17% | 5.62% |
| 2021-06-30 | $2.2B | $1.6B | $1.4B | 2.83% | 13.12% | 5.42% |
| 2021-03-31 | $2.4B | $1.9B | $1.5B | 2.17% | 10.39% | 5.16% |
| 2020-12-31 | $2.2B | $1.6B | $1.6B | 1.75% | 8.58% | 6.30% |
| 2020-09-30 | $2.2B | $1.7B | $1.8B | 1.27% | 6.33% | 6.33% |
| 2020-06-30 | $2.3B | $1.8B | $2.0B | 1.43% | 7.17% | 6.42% |
| 2020-03-31 | $2.2B | $1.7B | $2.0B | 1.68% | 8.45% | 6.61% |
| 2019-12-31 | $2.3B | $1.8B | $2.1B | 2.41% | 12.20% | 6.75% |
| 2019-09-30 | $2.2B | $1.7B | $2.0B | 2.39% | 12.07% | 6.73% |
| 2019-06-30 | $2.3B | $1.8B | $2.0B | 2.33% | 11.88% | 6.62% |
| 2019-03-31 | $2.1B | $1.6B | $1.9B | 2.41% | 12.10% | 6.75% |
| 2018-12-31 | $2.1B | $1.6B | $1.9B | 2.56% | 12.74% | 6.96% |
| 2018-09-30 | $1.9B | $1.5B | $1.8B | 2.95% | 14.55% | 6.83% |
| 2018-06-30 | $1.9B | $1.4B | $1.8B | 3.22% | 16.09% | 6.76% |
| 2018-03-31 | $1.9B | $1.5B | $1.8B | 3.57% | 18.44% | 6.71% |
| 2017-12-31 | $2.0B | $1.6B | $1.9B | 2.39% | 13.19% | 7.18% |
| 2017-09-30 | $2.0B | $1.5B | $1.8B | 3.13% | 17.36% | 7.23% |
| 2017-06-30 | $1.9B | $1.5B | $1.8B | 3.26% | 18.38% | 7.32% |
| 2017-03-31 | $1.9B | $1.5B | $1.7B | 3.36% | 19.23% | 7.26% |
| 2016-12-31 | $1.9B | $1.5B | $1.7B | 2.58% | 15.04% | 7.54% |
| 2016-09-30 | $1.8B | $1.4B | $1.6B | 3.15% | 18.29% | 7.69% |
| 2016-06-30 | $1.9B | $1.5B | $1.7B | 3.40% | 20.02% | 7.92% |
| 2016-03-31 | $1.9B | $1.5B | $1.7B | 3.29% | 19.65% | 8.42% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1427275 · 2002-10-25 to current
Unmatched RSSD entityRSSD 1427275 · 2002-09-23 to 2002-10-24
Unmatched RSSD entityRSSD 1427275 · 1998-09-03 to 2002-09-22
Unmatched RSSD entityRSSD 1427275 · 1998-07-30 to 1998-09-02
Unmatched RSSD entityRSSD 1427275 · 1998-06-22 to 1998-07-29
Unmatched RSSD entityRSSD 1427275 · 1995-04-22 to 1998-06-21
2012-10-20RSSD 998675 → 141556 · code 50
2012-07-28RSSD 104430 → 141556 · code 50
2012-03-24RSSD 3448751 → 141556 · code 50
2010-11-13RSSD 2866255 → 141556 · code 50
2009-08-22RSSD 2723796 → 141556 · code 50
2009-08-08RSSD 1165531 → 141556 · code 50
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.