Banks in Ham Lake, MN

Bank branch map: Ham Lake

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 2 locations in Ham Lake, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Ham Lake

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: 21st Century Bank and Falcon National Bank have the most locations in Ham Lake, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

21st Century Bank 1 branch · main office Loretto, MN Bank · 1

21st Century Bank has 1 branch in Ham Lake, 8 across Minnesota and 8 nationwide. FDIC records list its main office in Loretto, MN and show it operating since 1917. With $894.8 million in total assets on June 30, 2026, it ranks No. 1,156 of 4,232 U.S. banks by total assets. The 21St Century Branch at 17635 Central Ave Ne dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 21St Century Branch

  17635 Central Ave Ne, 55304

  Hours: see the bank's site
  DirectionsWebsite

21st Century Bank: profile, branches and contacts

Falcon National Bank 1 branch · main office Foley, MN Bank · 1

Falcon National Bank has 1 branch in Ham Lake, 6 across Minnesota and 6 nationwide. FDIC records list its main office in Foley, MN and show it operating since 2003. With $872.3 million in total assets on June 30, 2026, it ranks No. 1,173 of 4,232 U.S. banks by total assets. The Ham Lake Branch at 1441 Bunker Lake Blvd Ne dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Ham Lake Branch

  1441 Bunker Lake Blvd Ne, 55304

  Hours: see the bank's site
  DirectionsWebsite

Falcon National Bank: profile, branches and contacts

Banking in Ham Lake: the local picture

Short answer: 2 banks run 2 branches in Ham Lake according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Ham Lake, 2 elsewhere in Minnesota, according to the FDIC.

The bank with the longest record here is 21st Century Bank, operating since 1917 according to the FDIC. In FDIC branch records, the longest-running branch is 21st Century Bank's office at 17635 Central Ave Ne, dating to 2004; the newest is Falcon National Bank's at 1441 Bunker Lake Blvd Ne, from 2006.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Ham Lake, and where the nearest one is if they do not.

Short answer: No branches in Ham Lake: Chase (nearest in Andover, 5 mi), Wells Fargo (nearest in Blaine, 4 mi), Bank of America (nearest in Blaine, 4 mi), PNC Bank, U.S. Bank (nearest in Andover, 6 mi), Truist, Fifth Third Bank, Huntington (nearest in Blaine, 6 mi), Regions Bank, TD Bank, BMO (nearest in Blaine, 6 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ham Lake to the nearest branch in Minnesota.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Ham Lake residents like anyone else.

Banks near Ham Lake

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Andover (5 miles) and Blaine (7 miles). Blaine, 7 miles away, has the most banks nearby: 11.

Bank branch openings and closings in Ham Lake

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Ham Lake between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Ham Lake by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ham Lake offices.

Short answer: 21st Century Bank is the largest bank with offices in Ham Lake, with $894.8 million in total assets on June 30, 2026, No. 1,156 among U.S. banks by total assets. Falcon National Bank is second with $872.3 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Ham Lake: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.