Bank · FDIC insured
Community Bank Owatonna
A $103.3M bank headquartered in Owatonna, MN, with 1 branch in Minnesota. Best rates: CDs 4.25% and savings 0.30% APY.
Community Bank Owatonna Carrot Score
76
Carrot Score
Higher than 40% of U.S. banks and credit unions
#4 of 10 in Owatonna, MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Community Bank Owatonna
Founded in 2003 by holding company Community Financial Corporation, Community Bank Owatonna is a locally owned and independently operated bank based in Owatonna, Minnesota.
Operating a single branch, the bank focuses its banking services and deposit reinvestment on Owatonna and local businesses.
- Headquarters
- 640 W Bridge St, Owatonna, MN 55060
- FDIC certificate
- 57468 ↗
Branches
1 branch in Minnesota
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Minnesota
1 branch
- Community Bank OwatonnaMain office640 W Bridge St, Owatonna, MN 55060Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.98% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.42% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.81% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $77 | $81 | — |
- CapitalLeverage ratio7.98%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.42%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.81%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$77Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Community Bank Owatonna are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.