FIRST NATIONAL BANK

BAGLEY, MN | Small | Est. June 2, 1903, midnight | FDIC #5087 | RSSD #392255 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in BAGLEY, MN, established in June 2, 1903, midnight. As of 2025-12-31, the bank reported total assets of $128M and total deposits of $119M. Profitability stands at 1.12% ROA and 16.79% ROE, with a net interest margin of 3.97%. The bank's CET1 capital ratio is 12.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 5.60%. FDIC Certificate #5087.

Assets

$128M

Deposits

$119M

Loans

$82M

Equity

$8M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 16.79%
Net Interest Margin (NIM) 3.97%
Yield on Assets 5.65%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.08%
Texas Ratio 5.60%
NPA Ratio 0.41%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 12.02%
Tier 1 Capital 12.02%
Total Capital Ratio 13.16%
Leverage Ratio 7.48%
Loan-to-Deposit 69.19%

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