FIRST NATIONAL BANK OF HENNING, THE

OTTERTAIL, MN | Small | Est. Aug. 1, 1903, midnight | FDIC #5162 | RSSD #23456 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF HENNING, THE is asn small FDIC-insured commercial bank headquartered in OTTERTAIL, MN, established in Aug. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $418M and total deposits of $382M. Profitability stands at 1.27% ROA and 16.33% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 11.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 5.85%. FDIC Certificate #5162.

Assets

$418M

Deposits

$382M

Loans

$298M

Equity

$33M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 16.33%
Net Interest Margin (NIM) 3.96%
Yield on Assets 6.23%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.22%
Texas Ratio 5.85%
NPA Ratio 0.50%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 11.97%
Tier 1 Capital 11.97%
Total Capital Ratio 13.05%
Leverage Ratio 8.78%
Loan-to-Deposit 77.99%

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