FIRST NATIONAL BANK OF MILACA, THE

MILACA, MN | Small | Est. Aug. 24, 1897, midnight | FDIC #5198 | RSSD #924357 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF MILACA, THE is asn small FDIC-insured commercial bank headquartered in MILACA, MN, established in Aug. 24, 1897, midnight. As of 2025-12-31, the bank reported total assets of $284M and total deposits of $254M. Profitability stands at 1.51% ROA and 15.05% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 18.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 2.54%. FDIC Certificate #5198.

Assets

$284M

Deposits

$254M

Loans

$183M

Equity

$29M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 15.05%
Net Interest Margin (NIM) 4.72%
Yield on Assets 5.93%
Cost of Funds 1.24%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.26%
Texas Ratio 2.54%
NPA Ratio 0.28%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 18.04%
Tier 1 Capital 18.04%
Total Capital Ratio 19.10%
Leverage Ratio 10.42%
Loan-to-Deposit 72.26%

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