# MINSTER BANK
MINSTER, OH · FDIC certificate 763 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $811.6M | |
| Deposits | $719.4M | |
| Loans and leases | $462.5M | |
| Total equity | $72.2M | |
| Loans / deposits | 63.52% (p16 of band) | 82.04% |
| Liquid assets / assets | 40.38% (p83 of band) | |
| Uninsured deposits / deposits | 24.72% (p45 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.80% (p40 of band) | |
| FHLB advances / assets | 0.10% | |
| Tier 1 leverage | 10.08% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -19.74% (p23 of band) | -8.10% |
| AOCI / equity | -1.23% (p18 of band) | |
| ROA (annualized) | 1.62% (p71 of band) | 1.28% |
| Net interest margin | 3.80% (p44 of band) | 3.91% |
| Efficiency ratio | 50.20% (p19 of band) | |
| Noncurrent loans | 0.14% (p28 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 854.00% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 27.79% (p34 of band) | |
| Auto loans | $3.0M (0.66% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $5.7M (8% of equity) (p96 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 94 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 4 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  | uninsured deposits leaving |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 0 |  | securities losses >30% of equity, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Minster Bank awards $15,000 in scholarships - Sidney Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZnI4STlZMnlaMnZJVHdxNXVFaE5aTjF4NXdDMFVZY3htZ1BaRkZWOXIzNmxwZEFzOHExaFJ1QjFLbm90LWRxUXVzLTRDXzFSMGJfREgydnVlZy1kLXFwYXlxV0J6TmtNcFNFWC1fa1JnTGZ0dU5SVDdlS3huZlF5QzdGVGI3N0t6aHdZMkZB?oc=5) · Sidney Daily News
- 2026-09-01 [Minster Bank staff donate to Nate Niekamp Memorial Fund - PressReader](https://news.google.com/rss/articles/CBMigAFBVV95cUxOQVRmQTZMWDNtaTVVSmVPT3VLUWpCcTlGaVRLQWptbHpwdEJ3blpIb3JOcHdzUzI5REhZVW5LZ29uTm95RGlraVd6WHVVQU52SDBEZC1iaU50N0p3WUtQdFdqeFNfb2MwaXRhWklPanFrWHgzVDA5Q1U2T3MwMFZMYw?oc=5) · PressReader
- 2026-03-30 [Free community shredding event at Minster Bank in Troy on April 11 - Miami Valley Today](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVTRqU1JhbzdubXNaVHYwdUpRV05GS21JQmlMcVJoUXVLTWoyZVlCS05FVXg3UFJDMk1QUzdubFF2eEJ5WlA2LUdKMGJLQjZKNHAwVkViOFplemRQVHBmUnhMWDhYb0xveVRvR2hiZWF3TnE3eC1lN0FZdVZtZ1FfNnVOQW1TWjBNdUtOUExoUmhvQzVWWWp5YTBoelU?oc=5) · Miami Valley Today
- 2026-08-19 [Minster Bank staff donates to Nate Niekamp fund - Sidney Daily News](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNU1zdl9ia3RtU3V3LVcwcGFhcTl2dWtzY0VadlREZTJab1NpbGg1dG1FZ1k5UUoxcXFrLW5zdnlkTVZMd0pPNWVXeHdKS2Zwbk5ROGVaaGxBdnd5UlJscEtETlJ1X2FzVlgzVmxZVGQyX3MtNnl0SlBrUVc0VUJVd1hiZ2JPb2xGc2Q0Zjg3Unk0YjNBRkE?oc=5) · Sidney Daily News
- 2026-07-10 [Minster Bank to offer free community shred event - Sidney Daily News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMThHd1BLTVFfSkNHWHdhTlF5OUtrTFIwRkd4dGRXVHhwNldRZVpLejZyNkljMUZLWFhIM2w3N1BaT0V3MDdnWFVqRjRSOUE1TXF5S19GaW1iTEdoX3lJaThHZEJ6T0hJYnpDTXNuekVuU0hTalBRS196RHc2SkRJSS13YzVaX0FXaDJDLThhbTN4ZHBRbEZv?oc=5) · Sidney Daily News
- 2025-06-18 [Minster Bank celebrates customers - Daily Advocate](https://news.google.com/rss/articles/CBMigAFBVV95cUxNREFsV3d1V0NRa09yYnlta2pQeHBMLXRsZS1tV2c5b3FWUFF3VG5QVUx2aU1mbFROQm1aYk9rZW5UZkxIaV9QTVUyZFROQzlMOEpqQmdoeUVvdDR6QWxWVFltT29KeVE1UC1idkYwaWt1dk13T2ZLZXV5S1ZhSTFtZQ?oc=5) · Daily Advocate
- 2024-02-25 [Minster Bank has local connections with community, customers - Miami Valley Today](https://news.google.com/rss/articles/CBMikwFBVV95cUxPUU1KbzdzcXJ3eFNIMUlTaldlam1yOUVOOG83Z3hST2ZxRW5URGctN3RlekpOQUFmcjkyeFpxcUVoeGNXS3dRMk5FSUg1c1g5LTBGOGV5RGRVbmhBOFZOQXFWZFVBVF85NmpSMzc4ZU1wb3RXMC1yNGZaWDQ5bUlUV1FNdDdJcUoySzVlYkttS21XWEk?oc=5) · Miami Valley Today
- 2026-05-01 [Minster Bank to offer free document shredding - Sidney Daily News](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaHYzeFhZUV9IS1EzUmIyUlhzckdfbkJMbDRzX3RORy11NlBtblUxVmNoZ3NLMnVsM3RKeWJhVjl3VmhPTFVUam9TOVpBbTctNFdWWTNwWFNZYnJTNktfSjR2akdpdGhybzFGUXh1UFhKX3JDZ1dBTmVLRjhrQlBhSk00dWNkYVFnU0RyenpkY2xBUGs?oc=5) · Sidney Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=763 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "763", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide