Community Reinvestment Act Public File

The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.

We at MinnStar Bank pride ourselves on our commitment to the communities in which we live, work and serve. Below you will find each of the components the Bank’s CRA Public File available for your review.

CRA Performance Evaluation

Branch Locations and Hours of Operations

Location Adress City State Zip MSA State Code County Code County Name Census Tract Tract Income
Mankato  201 Poplar Street Mankato MN 56001 31860 27 13 Blue Earth 1707.00 Moderate
Lake Crystal 202 North Main Street Lake Crystal MN 56055 31860 27 13 Blue Earth 1710.00 Middle 

Assessment of Area Maps

List of Services

Branches Opened or Closed
MinnStar Bank N.A. has not opened or closed any branches for the current year and the prior two calendar years as of April 1, 2023.

Loan to Deposit Ratio for each quarter of the prior year
03/31/2024 – 94.74
12/31/2023 – 103.71
09/30/2023 – 103.21
06/30/2023 – 98.53

Public Comments and Responses
There are no current public comments and responses received for the current year and the prior two calendar years as of April 1, 2023. MinnStar Bank may, at its discretion, periodically update this to include public comments received after the annual April 1 update.

Home Mortgage Disclosure Act Notice (HMDA)
The HMDA data about our residential mortgage lending are available online for your review.
The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website ( or the Federal Financial Institutions Examination Council website (

CRA Public File Requests
MinnStar Bank N.A. can provide hard copies of the CRA Public File. Please note, we may charge a fee to cover copying and mailing expenses. Requests can be sent to