First National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 180.47 percentage points in Q2 2026, from 446.84% to 266.37%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First National Bank is 132nd of 221 on return on assets, 1.23% as of Q2 2026, below the middle of the field. At 1.23%, First National Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.27% |
| Tier 1 risk-based capital ratio | 12.27% |
| Total risk-based capital ratio | 13.37% |
| Tier 1 leverage ratio | 7.85% |
| Equity capital to assets | 6.93% |
| Tangible equity to tangible assets | 6.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 10.97% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 266.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 18.00% |
| Net interest margin | 3.95% |
| Efficiency ratio | 64.37% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.37% |
| Core deposits to total deposits | 92.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.67% |
| Securities to assets | 17.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.13% | 13.13% | 14.30% | 8.31% | 0.61% |
| Q4 2023 | 12.72% | 12.72% | 13.89% | 7.91% | 0.91% |
| Q1 2024 | 13.04% | 13.04% | 14.21% | 8.18% | 0.62% |
| Q2 2024 | 13.01% | 13.01% | 14.15% | 8.21% | 0.75% |
| Q3 2024 | 12.95% | 12.95% | 14.10% | 8.39% | 0.78% |
| Q4 2024 | 12.67% | 12.67% | 13.84% | 7.71% | 0.94% |
| Q1 2025 | 12.75% | 12.75% | 13.89% | 8.03% | 0.89% |
| Q2 2025 | 12.37% | 12.37% | 13.47% | 7.93% | 1.06% |
| Q3 2025 | 12.28% | 12.28% | 13.32% | 8.02% | 0.91% |
| Q4 2025 | 12.02% | 12.02% | 13.16% | 7.48% | 1.11% |
| Q1 2026 | 12.54% | 12.54% | 13.61% | 7.87% | 1.16% |
| Q2 2026 | 12.27% | 12.27% | 13.37% | 7.85% | 1.23% |
First National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)