First National Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 1.05 percentage points in Q2 2026, from 25.84% to 24.78%. It was the largest change from Q1 2026 among the key lines here. First National Bank ranks 141st of 221 Minnesota banks on total deposits, in the lower half at $119.7M (Q2 2026). Against a median of $277.3M for banks in the $100M-1B asset tier, First National Bank reported $119.7M on total deposits in Q2 2026, 57% lower.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $119.7M |
| Domestic office deposits | $119.7M |
| Foreign office deposits | — |
| Deposits to total assets | 92.67% |
| Deposits to total liabilities | 99.57% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $29.7M |
| Savings deposits | $17.4M |
| Transaction accounts to domestic deposits | 39.13% |
| Time deposits | $29K |
| Time deposits under $100k | $13.6M |
| Time deposits $100k to $250k | $12.7M |
| Time deposits over $250k | $8.7M |
| Noninterest-bearing share of deposits | 24.78% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $111.0M |
| Core deposits to total deposits | 92.72% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.18% |
| Interest expense on deposits | $480K |
| Loans and leases to core deposits | 78.05% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $102.8M | 96.55% | 0.00% | 1.86% |
| Q4 2023 | $105.8M | 94.20% | 0.00% | 2.08% |
| Q1 2024 | $103.5M | 94.08% | 0.00% | 2.24% |
| Q2 2024 | $103.5M | 94.10% | 0.00% | 2.43% |
| Q3 2024 | $107.4M | 93.32% | 0.00% | 2.45% |
| Q4 2024 | $111.1M | 92.50% | 0.00% | 2.53% |
| Q1 2025 | $110.6M | 91.66% | 0.00% | 2.38% |
| Q2 2025 | $111.5M | 91.91% | 0.00% | 2.43% |
| Q3 2025 | $117.2M | 92.47% | 0.00% | 2.34% |
| Q4 2025 | $118.7M | 92.54% | 0.00% | 2.28% |
| Q1 2026 | $116.2M | 92.07% | 0.00% | 2.20% |
| Q2 2026 | $119.7M | 92.72% | 0.00% | 2.18% |
First National Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5087) · FFIEC NIC profile (RSSD 392255)