Bank · FDIC insured
Profinium Bank Inc
A $533.1M bank headquartered in Truman, MN, with 4 branches in Minnesota. Best rates: CDs 3.95% and savings 0.53% APY.
Profinium Bank Inc Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#2 of 5 in Fairmont, MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Profinium Bank Inc
Profinium Bank traces its roots back to 1875, has remained locally owned for over 150 years, and brought two community banks together in 2003 to form one unified identity.
Serving Minnesota communities with locations in Owatonna, Mankato, Fairmont, and Truman, the bank focuses on supporting local families, businesses, and community vibrancy.
- Headquarters
- 414 N 5th Ave E, Truman, MN 56088
- FDIC certificate
- 1905 ↗
Branches
4 branches in Minnesota
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Minnesota
4 branches
Fairmont area · 2
- Profinium, Inc.Main office414 N 5th Ave E, Truman, MN 56088Directions
- Fairmont Branch105 Lake Ave, Fairmont, MN 56031Directions
Mankato area · 1
- Profinium, Inc. Mankato Branch100 Warren St, Mankato, MN 56001Directions
Owatonna area · 1
- Profinium, Inc, Owatonna Branch1080 W Frontage Rd, 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 | 10.17% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.13% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.92% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio10.17%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.13%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.92%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ 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 Profinium Bank Inc are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.