The First National Bank of Osakis: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Osakis operates with a thinner capital cushion than most banks of its size. Based in Osakis, Minnesota, it had $98 million in assets at June 30, 2026, up 3.0% from a year earlier. It holds common equity equal to 10.77% of its risk-weighted assets, about half the median of 22.08% for the 583 banks with less than $100 million in assets. It also holds commercial real estate loans worth 1.8 times its capital, 6.9 times the median of 26% for banks its size.
Earnings jumped: net income for the quarter was $272,000, 30% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.67% of loans from 0.43% a year earlier. Funding is the softer spot: it pays an average of 2.24% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.54%).
As of June 30, 2026, The First National Bank of Osakis reported a CET1 capital ratio of 10.77%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 6.60%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 211 Central Avenue, Osakis, MN 56360
- County
- Douglas
- Metro Area
- Alexandria, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 8, 1903
- Offices
- 1 domestic
- Employees (FTE)
- 11
- Domestic deposits
- $80.9M
- Allowance for credit losses
- $751K
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $97.9M
- Average total loans
- $81.0M
- Average interest-bearing deposits
- $67.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5221
- Fed RSSD
- 726458
- Website
- www.fnbosakis.com →
- Parent Holding Company
- FINANCIAL SERVICES OF LOWRY, INC. (RSSD 1127016)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First National Bank of Osakis terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The First National Bank of Osakis, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The First National Bank of Osakis rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.77% | 1.11% | 0.67% | 6.60% | 4.00% |
| Q1 2026 | 11.04% | 1.12% | 0.41% | 3.99% | 3.80% |
| Q4 2025 | 11.57% | 1.46% | 0.60% | 5.67% | 3.93% |
| Q3 2025 | 11.39% | 1.23% | 0.43% | 4.10% | 3.75% |
| Q2 2025 | 10.88% | 0.89% | 0.43% | 4.32% | 3.58% |
| Q1 2025 | 11.50% | 0.94% | 0.67% | 6.55% | 3.40% |
| Q4 2024 | 11.43% | 0.68% | 0.63% | 6.38% | 3.24% |
| Q3 2024 | 11.54% | 1.03% | 0.88% | 8.50% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Osakis | Osakis , MN | 56360 | $80.9M |
Regulatory record
What the public regulatory sources show for The First National Bank of Osakis, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 215 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First National Bank of Osakis
What are The First National Bank of Osakis's total assets?
As of the Q2 2026 filing, The First National Bank of Osakis reported total assets of $97.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of Osakis headquartered?
The First National Bank of Osakis is headquartered in Osakis, MN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The First National Bank of Osakis founded?
The First National Bank of Osakis was established in 1903, per the FDIC institution directory.
Is The First National Bank of Osakis FDIC-insured?
Yes. The First National Bank of Osakis is an FDIC-insured commercial bank (FDIC Certificate #5221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Osakis?
The First National Bank of Osakis'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 The First National Bank of Osakis's CET1 capital ratio?
The First National Bank of Osakis reported a Common Equity Tier 1 (CET1) capital ratio of 10.77% in its Q2 2026 call report, above regulatory requirements.
How many branches does The First National Bank of Osakis operate?
The First National Bank of Osakis operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Osakis's Texas Ratio?
The First National Bank of Osakis's Texas Ratio is 6.60% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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