Total Assets
$375M
Total balance-sheet footings
FDIC Cert #8546 · Saint Joseph, Minnesota · Est. 1904
Sentry Bank - FDIC Bank Health Profile
A community-scale look at Sentry Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $375M
- Total assets
- B
- Health grade · Good
- 1.22%
- Return on assets
- 9.0%
- Tier 1 capital
Data updated July 2026
The verdict
Sentry Bank earns a PlainBankData health grade of B (70/100), with 8.98% Tier 1 capital, profitable at 1.22% ROA, efficient (54% cost ratio).
- #2,182
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 8.98%
- Tier 1 ratio - below the 10% well-capitalized line
- 58th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Sentry Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Sentry Bank's composite health score
Tier 1 Capital Ratio (8.98%) 18/40
Return on Assets (ROA) (1.22%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (54.10%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$324M
Customer-funded liabilities
Net Loans
$272M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sentry Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sentry Bank's score of 70/100 falls in the highlighted band.
Sentry Bank'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). Sentry Bank's $375M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.98% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.98%
Texas Ratio
0.00%
Equity Capital
$36M
Profitability metrics
Return on Assets (ROA)
58th percentile nationally
1.22%
Return on Equity (ROE)
12.85%
Efficiency Ratio
54.10%
What the numbers say about Sentry Bank
Sentry Bank is an FDIC-insured institution (Certificate #8546) headquartered in Saint Joseph, Minnesota, established in 1904. It holds $375M in total assets - 2,182nd of 4,313 FDIC-insured banks, $324M in customer deposits, and $272M in net loans. On safety, its Tier 1 capital ratio of 8.98% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, Sentry Bank ranks 70th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$19M
Interest Income
$863K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sentry Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) Sentry Bank (FDIC Cert #8546) - 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 Sentry Bank's health grade?▼
Sentry Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Sentry Bank?▼
Sentry Bank holds $375M in total assets and $324M in deposits, ranking 2,182nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Joseph, Minnesota.
Is my money safe at Sentry Bank?▼
Yes, deposits at Sentry Bank (Certificate #8546) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sentry Bank's Tier 1 Capital Ratio?▼
Sentry Bank has a Tier 1 Capital Ratio of 8.98%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Sentry Bank?▼
Sentry Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Sentry Bank?▼
Sentry Bank has an Efficiency Ratio of 54.10%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Sentry Bank's profile as a depositor or analyst.
- Sentry Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sentry Bank 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.