FIRST NATIONAL BANK OF OSAKIS, THE

OSAKIS, MN | Micro | Est. June 8, 1903, midnight | FDIC #5221 | RSSD #726458 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF OSAKIS, THE is amn micro FDIC-insured commercial bank headquartered in OSAKIS, MN, established in June 8, 1903, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $78M. Profitability stands at 1.47% ROA and 15.69% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 11.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 3.43%. FDIC Certificate #5221.

Assets

$95M

Deposits

$78M

Loans

$78M

Equity

$9M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 15.69%
Net Interest Margin (NIM) 4.07%
Yield on Assets 6.18%
Cost of Funds 2.66%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.43%
NPA Ratio 0.35%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 11.57%
Tier 1 Capital 11.57%
Total Capital Ratio 12.57%
Leverage Ratio 8.79%
Loan-to-Deposit 99.88%

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