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Minnwest Bank
Redwood Falls, MN·FDIC Cert #16958·Charter: STATE·Est. 19410519.0·HC: MINNWEST CORP
Total Assets
$3.0B
Q4 2025
Return on Assets
0.92%
-0.01%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.00%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%-0.01
ROE
9.00%-0.20
Efficiency
62.00%+0.52
Equity/Assets
0.00%+0.00
NPL Ratio
0.62%-0.63
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.32%+0.40
Charge-offs
0.31%+0.20
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.6 | 0.7 | 0.7 | 0.7 | 0.8 | 0.9 | 0.9 |
| ROE | 8.4 | 7.1 | 7.4 | 7.6 | 7.7 | 8.4 | 9.2 | 9.0 |
| Efficiency | 66.8 | 70.5 | 69.4 | 69.3 | 66.4 | 63.1 | 61.5 | 62.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.7 | 0.3 | 0.1 | 0.6 | 1.0 | 1.3 | 0.6 |
| Charge-offs | -0.0 | 0.1 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.3 |
| Loan/Deposit | 88.9 | 88.3 | 82.3 | 81.2 | 80.9 | 84.4 | 80.9 | 81.3 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.6B
Total Loans$2.2B
Total Equity$326.0M
Profitability
ROA0.92%
ROE9.00%
Efficiency Ratio62.00%
Net Income$27.8M
Risk & Asset Quality
NPL Ratio0.62%
Charge-off Rate0.31%
Loan/Deposit81.32%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans