First National Bank Minnesota: 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 climbed 15.05 percentage points in Q2 2026, from 100.02% to 115.08%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First National Bank Minnesota is 116th of 221 on return on assets, 1.32% as of Q2 2026, below the middle of the field. First National Bank Minnesota reported 1.32% on return on assets for Q2 2026, 0.06 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.18% |
| Tier 1 risk-based capital ratio | 13.18% |
| Total risk-based capital ratio | 14.43% |
| Tier 1 leverage ratio | 9.81% |
| Equity capital to assets | 9.89% |
| Tangible equity to tangible assets | 8.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.12% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 8.55% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 115.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 13.33% |
| Net interest margin | 4.23% |
| Efficiency ratio | 65.85% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.09% |
| Core deposits to total deposits | 95.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.24% |
| Securities to assets | 16.67% |
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 | 10.94% | 10.94% | 12.19% | 8.27% | 1.22% |
| Q4 2023 | 11.01% | 11.01% | 12.26% | 8.48% | 0.93% |
| Q1 2024 | 11.35% | 11.35% | 12.60% | 8.60% | 0.82% |
| Q2 2024 | 11.04% | 11.04% | 12.29% | 8.35% | 0.83% |
| Q3 2024 | 10.96% | 10.96% | 12.21% | 8.23% | 0.70% |
| Q4 2024 | 11.38% | 11.38% | 12.63% | 8.66% | 0.53% |
| Q1 2025 | 11.64% | 11.64% | 12.90% | 8.79% | -0.23% |
| Q2 2025 | 11.98% | 11.98% | 13.24% | 8.93% | 0.39% |
| Q3 2025 | 12.51% | 12.51% | 13.76% | 9.31% | 1.41% |
| Q4 2025 | 12.39% | 12.39% | 13.65% | 9.37% | 1.65% |
| Q1 2026 | 13.01% | 13.01% | 14.26% | 9.85% | 1.39% |
| Q2 2026 | 13.18% | 13.18% | 14.43% | 9.81% | 1.32% |
First National Bank Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5247) · FFIEC NIC profile (RSSD 197759)