"Four months," Marshall corrected. The Twin Cities were just too hectic, he said. Phillip Koep, former owner of Urbank Bank, handles cages that sit on the lake bottom to trap minnows. He said he has built 500 of the cages. (Karen Tolkkinen / Echo Press) On Monday morning, they were loading a semi-truck with minnows to send to a wholesaler in Brainerd. Every day during the busy season, one or two trucks leaves their facility west of Urbank. They ship to Duluth, Orr, Grand Rapids, Deer River, Cohasset and Bemidji. In Douglas and Otter Tail Counties, they deliver personally to the gas stations that have started selling bait over the years.