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BanksFIRST NATIONAL BANK OF BANGOR, THE

FIRST NATIONAL BANK OF BANGOR, THE

BANGOR, WISmallEst. Jul 1, 1903FDIC #5337RSSD #627854OCC
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FIRST NATIONAL BANK OF BANGOR, THE is an FDIC-insured commercial bank headquartered in BANGOR, WI, established in 1903. As of , the bank reported total assets of $382M and total deposits of $250M. Profitability stands at 2.72% ROA and 9.53% ROE, with a net interest margin of 5.10%. CET1 capital ratio: 28.25%, well above regulatory minimums. NPL ratio: 0.59% · Texas Ratio: 1.86%. Operates 5 domestic branches.

Assets
$382M
Deposits
$250M
Loans
$317M
Equity
$108M

This is just the summary.

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Watch flags

Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.

Uninsured deposits at 58.8% of total — meaningful run-risk exposureWhat does this mean? →

More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.

Loan-to-Deposit at 126.8% — loans exceed deposit baseWhat does this mean? →

Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.

Quarterly trend — last 8 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2025-12-3128.25%2.72%0.59%1.86%5.10%
2025-09-3028.93%3.46%0.61%1.91%5.18%
2025-06-3028.78%3.16%0.31%1.04%4.98%
2025-03-3128.18%3.22%0.31%1.09%4.76%
2024-12-3127.13%4.32%0.03%0.31%4.61%
2024-09-3026.94%2.86%0.03%0.38%4.43%
2024-06-3026.56%2.54%0.06%0.37%4.26%
2024-03-3126.15%2.59%0.05%0.35%4.12%

Frequently asked about FIRST NATIONAL BANK OF BANGOR, THE

What are First National Bank of Bangor, the's total assets?

As of the Q4 2025 filing, First National Bank of Bangor, the reported total assets of $381.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is First National Bank of Bangor, the headquartered?

First National Bank of Bangor, the is headquartered in BANGOR, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was First National Bank of Bangor, the founded?

First National Bank of Bangor, the was established in 1903, per the FDIC institution directory.

Is First National Bank of Bangor, the FDIC-insured?

Yes. First National Bank of Bangor, the is an FDIC-insured commercial bank (FDIC Certificate #5337). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates First National Bank of Bangor, the?

First National Bank of Bangor, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

What is First National Bank of Bangor, the's CET1 capital ratio?

First National Bank of Bangor, the reported a Common Equity Tier 1 (CET1) capital ratio of 28.25% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.

How many branches does First National Bank of Bangor, the operate?

First National Bank of Bangor, the operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is First National Bank of Bangor, the's Texas Ratio?

First National Bank of Bangor, the's Texas Ratio is 1.86% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.