Bank Comparison
Bank of Lindsay vs The First National Bank of Osakis
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 11
winning metrics across 16 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Bank of Lindsay | The First National Bank of Osakis |
|---|---|---|
| CET1 Ratio | 10.53% | 10.77% |
| Tier 1 Capital Ratio | 10.53% | 10.77% |
| Total Capital Ratio | 11.36% | 11.74% |
| Tier 1 Leverage Ratio | 10.25% | 8.67% |
| Equity / Assets | 9.22% | 9.25% |
Profitability
| Metric | Bank of Lindsay | The First National Bank of Osakis |
|---|---|---|
| Return on Assets (ROA) | 0.65% | 1.11% |
| Return on Equity (ROE) | 6.61% | 12.01% |
| Net Interest Margin (NIM) | 3.46% | 4.00% |
| Yield on Earning Assets | 6.01% | 5.99% |
| Cost of Funds | 3.12% | 2.24% |
Asset quality
| Metric | Bank of Lindsay | The First National Bank of Osakis |
|---|---|---|
| Texas Ratio | 0.00% | 6.60% |
| Non-Performing Loan Ratio | 0.00% | 0.41% |
| Non-Performing Asset Ratio | 0.00% | 0.34% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 0.90% | 0.92% |
Balance sheet
| Metric | Bank of Lindsay | The First National Bank of Osakis |
|---|---|---|
| Total Assets | $102.9M | $97.6M |
| Total Deposits | $69.1M | $80.9M |
| Total Loans | $85.2M | $82.0M |
| Total Equity | $9.5M | $9.0M |
| Net Income (quarter) | $156K | $272K |
Liquidity & funding
| Metric | Bank of Lindsay | The First National Bank of Osakis |
|---|---|---|
| Loan-to-Deposit Ratio | 123.21% | 101.29% |
| Core Deposit Ratio | 64.73% | 94.58% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Lindsay | The First National Bank of Osakis |
|---|---|---|
| Headquarters City | Lindsay | Osakis |
| Headquarters State | NE | MN |
| Asset Tier | $100M to $1B in assets | under $100M in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 15 | 11 |
| Established | April 15, 1953 | June 8, 1903 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of September 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Bank of Lindsay profile | View full The First National Bank of Osakis profile | Browse all bank comparisons