BanksFIRST NATIONAL BANK

FIRST NATIONAL BANK

BAGLEY, MNSmallEst. June 2, 1903, midnightFDIC #5087RSSD #392255OCC
Latest · 2025-12-31

FIRST NATIONAL BANK is an 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%. CET1 capital ratio: 12.02%, well above regulatory minimums. NPL ratio: 0.43% · Texas Ratio: 5.60%. Operates 2 domestic branches.

Assets
$128M
Deposits
$119M
Loans
$82M
Equity
$8M

Profitability

Return on Assets (ROA)1.12%
Return on Equity (ROE)16.79%
Net Interest Margin3.97%
Yield on Assets5.65%
Cost of Funds1.67%

Asset Quality

NPL Ratio0.43%
Net Charge-Off Ratio0.08%
Texas Ratio5.60%
NPA Ratio0.41%
ACL / Loans1.10%

Capital & Liquidity

CET1 Ratio12.02%
Tier 1 Capital12.02%
Total Capital Ratio13.16%
Leverage Ratio7.48%
Loan-to-Deposit69.19%

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