21st Century Bank
Loretto, MN · State Bank, Not a Federal Reserve Member · Part of CROSSTOWN HOLDING CO
Summary
- Total assets: $895 million
- Total deposits: $659 million
- Total loans: $673 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 6.4% |
| Multifamily | 16.0% |
| Owner-occupied commercial real estate | 33.2% |
| Non-owner-occupied commercial real estate | 19.1% |
| Residential | 9.3% |
| Commercial & industrial | 15.2% |
| Consumer & other | 0.9% |
Health indicators
- Tier 1 leverage ratio: 10.66%
- Total risk-based capital ratio: 15.70%
- Noncurrent loans: 0.19%
- Net charge-offs: 0.10%
- Return on assets: 1.31%
Local footprint
| County | Branches | Deposits |
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