Total Assets
$543M
Total balance-sheet footings
FDIC Cert #9760 · Vernon Center, Minnesota · Est. 1929
Community Bank Mankato - FDIC Bank Health Profile
A community-scale look at Community Bank Mankato's own numbers, pulled straight from its quarterly FDIC Call Report.
- $543M
- Total assets
- C
- Health grade · Fair
- 0.80%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Community Bank Mankato earns a PlainBankData health grade of C (60/100), with well-capitalized at 11.65% Tier 1, 0.80% ROA, 64% efficiency ratio.
- #1,693
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 11.65%
- Tier 1 ratio - above the 10% well-capitalized line
- 30th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Community Bank Mankato's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Bank Mankato's composite health score
Tier 1 Capital Ratio (11.65%) 28/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (19.43%) 10/20
Efficiency Ratio (63.53%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$471M
Customer-funded liabilities
Net Loans
$477M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Bank Mankato ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank Mankato's score of 60/100 falls in the highlighted band.
Community Bank Mankato's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Bank Mankato's $543M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.65%
Texas Ratio
19.43%
Equity Capital
$50M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.80%
Return on Equity (ROE)
9.20%
Efficiency Ratio
63.53%
What the numbers say about Community Bank Mankato
Community Bank Mankato is an FDIC-insured institution (Certificate #9760) headquartered in Vernon Center, Minnesota, established in 1929. It holds $543M in total assets - 1,693rd of 4,313 FDIC-insured banks, $471M in customer deposits, and $477M in net loans. Its capital position: a Tier 1 ratio of 11.65%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 19.43% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Community Bank Mankato sits 43rd of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$30M
Interest Income
$989K
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank Mankato reports a Texas Ratio of 19.43% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
19.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank Mankato (FDIC Cert #9760) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Community Bank Mankato's health grade?▼
Community Bank Mankato receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Community Bank Mankato?▼
Community Bank Mankato holds $543M in total assets and $471M in deposits, ranking 1,693rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Vernon Center, Minnesota.
Is my money safe at Community Bank Mankato?▼
Yes, deposits at Community Bank Mankato (Certificate #9760) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Bank Mankato's Tier 1 Capital Ratio?▼
Community Bank Mankato has a Tier 1 Capital Ratio of 11.65%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Community Bank Mankato?▼
Community Bank Mankato has a Texas Ratio of 19.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Bank Mankato?▼
Community Bank Mankato has an Efficiency Ratio of 63.53%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Bank Mankato's profile as a depositor or analyst.
- Community Bank Mankato's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bank Mankato against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.