B
21st Century Bank
LorettoMN
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings 21st Century Bank
Loretto, MN
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Rating B
Asset Quality Index 7.40
Capitalization Index 9.50
Liquidity Index 2.90
Profitability Index 5.00
Stability Index 6.30
Company Info 21st Century Bank
Loretto, MN
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FDIC Number 9751
Phone Number (763) 479-2178
Website 21stcb.com
Asset Quality 21st Century Bank
Loretto, MN
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1-Year Asset Growth 14.33%
5-Year Asset Growth 9.16%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.11%
Non-Performing Loans to Capital 0.38%
Non-Performing Loans to Loans 0.25%
Balance Sheet 21st Century Bank
Loretto, MN
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Total Assets 864.57M
Total Deposits 664.01M
Capital and Reserves 21st Century Bank
Loretto, MN
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Capital 84.02M
Leverage Ratio 10.66
Loan Loss Reserves to Loans 0.91%
Risk-Based Capital Ratio 15.55
Liquidity 21st Century Bank
Loretto, MN
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Hot Money Ratio 12.43%
Liquidity Ratio 26.71%
Profitability 21st Century Bank
Loretto, MN
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5-Year Return on Average Assets 0.96%
Net Income 6.00M
Net Interest Spread 3.12%
Operating Profit to Average Assets 1.36%
Overhead Efficiency Ratio 54.94%
Return on Assets 0.97%
Return on Equity 10.14%