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Bank call report · Walker, MN

First National Bank North Call Report

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First National Bank North filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 358 reported line items, schedule by schedule (978 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

First National Bank North call report filing details
Call report formFFIEC 041
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID805755
FDIC certificate number5269
Total assets$864.3M

Official Q2 2026 call report PDF (FFIEC) →

First National Bank North call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.

Schedule RC: Balance Sheet (25 items)

About Schedule RC · First National Bank North balance sheet trends

First National Bank North Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $864.3M
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $864.3M
Total Liabilities and Minority Interest RCON2948 $761.1M
Total Deposits RCON2200 $756.3M
Loans and Leases, Net of Unearned Income - Totals RCONB528 $644.6M
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $634.7M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $609.6M
Deposits: Noninterest-bearing RCON6631 $146.7M
Interest-bearing Balances RCON0071 $143.8M
Total Equity Capital RCON3210 $103.2M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $103.2M
Undivided Profits and Capital Reserves RCON3632 $96.1M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $58.1M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $10.9M
Allowance for Loan and Lease Losses RCON3123 $9.9M
Surplus RCON3839 $8.2M
Noninterest-bearing Balances and Currency and Coin RCON0081 $7.6M
Other Assets RCON2160 $5.6M
Other Liabilities, Total RCON2930 $4.9M
Intangible Assets RCON2143 $2.4M
Goodwill RCON3163 $2.3M
Accumulated Other Comprehensive Income RCONB530 -$1.5M
Loans and Leases Held for Sale RCON5369 $1.2M
Common Stock RCON3230 $440K
Other Real Estate Owned RCON2150 $69K
Schedule RI: Income Statement (40 items)

About Schedule RI · First National Bank North income statement trends

First National Bank North Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $25.9M
Interest and Fee Income on Loans, Total RIAD4010 $22.7M
Net Interest Income RIAD4074 $18.5M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $10.8M
Income (Loss) Before Discontinued Operations RIAD4300 $10.8M
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $10.8M
Net Income (Loss) RIAD4340 $10.8M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $10.8M
Total Noninterest Expense RIAD4093 $10.7M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $10.1M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $8.2M
Total Interest Expense RIAD4073 $7.3M
Salaries and Employee Benefits RIAD4135 $7.0M
Total Noninterest Income RIAD4079 $3.3M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $3.2M
Interest Income on Balances Due from Depository Institutions RIAD4115 $2.4M
Other Noninterest Expense RIAD4092 $2.4M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $2.3M
Savings Deposits (Including Mmdas) RIAD0093 $2.3M
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $1.9M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $1.6M
Income from Other Insurance and Reinsurance Activities RIADC387 $1.6M
Expenses of Premises and Fixed Assets RIAD4217 $1.3M
Other Noninterest Income RIADB497 $851K
Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RIADB488 $531K
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $440K
Provision for Loan and Lease Losses RIAD4230 $438K
Provisions for Credit Losses on Financial Assets RIADJJ33 $420K
Fees and Commissions from Securities Brokerage RIADC886 $267K
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $182K
Net Gains (Losses) on Sales of Loans RIAD5416 $167K
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $92K
Interest on Other Securities RIAD4060 $77K
Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. RIAD4507 $75K
Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards RIADB485 $59K
Other Interest Income RIAD4518 $39K
Interest and Fee Income on All Other Loans in Domestic Offices RIAD4058 $30K
Net Gains (Losses) on Sales of Other Assets (Excluding Securities) RIADB496 $18K
Net Servicing Fees RIADB492 $11K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 123
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)

About Schedule RC-A

First National Bank North Schedule RC-A, Q2 2026
Line item Code Q2 2026
Cash and Balances Due from Depository Institutions RCON0010 $151.4M
Balances Due from Federal Reserve Banks RCON0090 $123.1M
Balances Due from Depository Institutions in the U.S. RCON0082 $23.3M
Currency and Coin RCON0080 $5.1M
Schedule RC-B: Securities (24 items)

About Schedule RC-B · First National Bank North securities trends

First National Bank North Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost RCONG302 $1.6M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value RCONG303 $1.5M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost RCONG306 $9.0M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value RCONG307 $8.1M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCONG314 $608K
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $525K
Total Amortized Cost of Available-for-sale Securities RCON1772 $59.6M
Pledged Securities RCON0416 $48.6M
Amortized Cost of Available-for-sale U.S. Treasury Securities RCON1286 $32.8M
Fair Value of Available-for-sale U.S. Treasury Securities RCON1287 $32.3M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCONA248 $23.2M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA550 $16.0M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA551 $15.5M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCONHT52 $8.4M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCONHT53 $8.3M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $7.7M
Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8499 $7.4M
Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8498 $7.3M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less RCONA549 $7.0M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA552 $6.4M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years RCONA553 $3.1M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA558 $1.1M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $805K
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCONA561 $525K
Schedule RC-C, Part I: Loans and Leases (41 items)

About Schedule RC-C, Part I · First National Bank North loans and leases trends

First National Bank North Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $645.9M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $268.5M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $227.2M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $163.5M
Pledged Loans and Leases RCONG378 $127.2M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $112.7M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $102.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $80.6M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $59.1M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $57.1M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $56.4M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $54.8M
Commercial and Industrial Loans RCON1766 $50.6M
Commercial and Industrial Loans to U.S. Addressees RCON1763 $50.6M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $48.2M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $44.0M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $42.8M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $40.3M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $34.1M
Loans Secured by 1-4 Family Residential Construction RCONF158 $29.4M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $19.0M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $18.4M
Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) RCONK137 $15.3M
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $13.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $9.0M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $7.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $6.1M
Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. RCON2107 $1.6M
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards RCONB538 $1.6M
Real Estate Loans Secured by Farmland RCON1420 $1.0M
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans RCONB539 $783K
Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONHK25 $501K
Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) RCONJ451 $444K
Other Loans RCONJ464 $444K
Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties RCONK161 $384K
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $117K
Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) RCONF577 $100K
Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices RCONF576 $67K
Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans RCONK165 $50K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other Consumer Loans That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONK204 $47K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Automobile Loans That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONK203 $3K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)

About Schedule RC-C, Part II

First National Bank North Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5569 $62.6M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5567 $20.4M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $18.1M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5575 $13.5M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $13.2M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $5.5M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5579 $43K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 784
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 183
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 168
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 136
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 128
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5574 56
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5578 1
Schedule RC-E: Deposit Liabilities (26 items)

About Schedule RC-E · First National Bank North deposit liabilities trends

First National Bank North Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $492.5M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $471.0M
Total Transaction Accounts RCON2215 $263.8M
Total Demand Deposits (See Note Below) RCON2210 $249.2M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $231.4M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $173.0M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $156.6M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $92.4M
Total Time Deposits of Less Than $100,000 RCON6648 $89.9M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $84.1M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $83.3M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $82.3M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $68.5M
Money Market Deposit Accounts (Mmda's) RCON6810 $63.2M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $57.2M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $32.8M
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $32.4M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $26.0M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $21.5M
Sweep deposits: Fully insured, affiliate sweep deposits RCONMT87 $20.7M
Total sweep deposits that are not brokered deposits RCONMT95 $20.7M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $15.8M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $7.7M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $3.7M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $553K
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK15 $270K
Schedule RC-F: Other Assets (6 items)

About Schedule RC-F

First National Bank North Schedule RC-F, Q2 2026
Line item Code Q2 2026
Accrued Interest Receivable RCONB556 $3.8M
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $1.0M
Other Assets RCON2168 $705K
Prepaid Expenses RCON2166 $469K
Other Repossessed Assets (Net) RCON1578 $170K
Accounts Receivable RCONFT34 $66K
Schedule RC-G: Other Liabilities (6 items)

About Schedule RC-G

First National Bank North Schedule RC-G, Q2 2026
Line item Code Q2 2026
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $2.3M
Other Expenses Accrued and Unpaid RCON3646 $1.5M
All Other Liabilities RCON2938 $936K
First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) RCON3552 $924K
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCONB557 $70K
Accounts Payable RCON3066 $12K
Schedule RC-K: Quarterly Averages (15 items)

About Schedule RC-K · First National Bank North quarterly averages trends

First National Bank North Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $845.2M
Quarterly Average of Total Loans RCON3360 $609.8M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $337.5M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $232.5M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $173.1M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $164.7M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $131.6M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $113.8M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $83.9M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $53.9M
Quarterly Average of Commercial and Industrial Loans RCON3387 $50.8M
U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RCONB558 $42.9M
Mortgage-backed Securities RCONB559 $11.3M
All Other Securities RCONB560 $7.3M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards RCONB561 $1.4M
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)

About Schedule RC-L · First National Bank North derivatives and off-balance-sheet items trends

First National Bank North Schedule RC-L, Q2 2026
Line item Code Q2 2026
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $25.9M
1-4 Family Residential Construction Loan Commitments RCONF164 $15.5M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $13.8M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $13.2M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $7.8M
Unused Commitments - Credit Card Lines RCON3815 $6.2M
Credit Card Lines: Unused Consumer Credit Card Lines RCONJ455 $3.4M
Credit Card Lines: Other Unused Credit Card Lines RCONJ456 $2.8M
Financial Standby Letters of Credit and Foreign Office Guarantees RCON3819 $2.4M
Schedule RC-M: Memoranda (3 items)

About Schedule RC-M · First National Bank North memoranda trends

First National Bank North Schedule RC-M, Q2 2026
Line item Code Q2 2026
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $977K
All other intangible assets RCONJF76 $88K
All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices RCON5510 $69K
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (24 items)

About Schedule RC-N · First National Bank North past due and nonaccrual loans, leases, and other assets trends

First National Bank North Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $2.9M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $1.7M
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $1.0M
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing RCONK216 $616K
Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing RCON1407 $470K
1-4 Family Residential Construction Loans, Past Due 90 or More Days and Still Accruing. RCONF174 $401K
1-4 Family Residential Construction Loans, Nonaccrual RCONF176 $310K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $278K
Additions to Nonaccrual Assets RCONC410 $268K
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual RCONF182 $239K
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due RCONF178 $160K
Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing RCON1606 $151K
Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing RCONK213 $121K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing RCON5398 $105K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual RCON5400 $100K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual RCONK218 $89K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing RCONC237 $52K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing RCONB575 $43K
Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days RCONF173 $32K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing RCONC238 $23K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing RCONK217 $17K
Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Other Consumer (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) Loans to Individuals for Household, Family, and Other Personal Expenditures: Past Due 90 Days or More and Still Accruing RCONK281 $1K
Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Past Due 90 Days or More and Still Accruing RCONK127 $1K
Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 90 Days or More and Still Accruing RCONHK27 $1K
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)

About Schedule RC-O · First National Bank North other data for deposit insurance assessments trends

First National Bank North Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $845.2M
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $758.6M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $488.9M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $236.7M
Average Tangible Equity for the Calendar Quarter RCONK654 $101.4M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $28.0M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $5.0M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 35,453
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 985
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 436
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 14
Averaging Method Used RCONK653 1
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)

About Schedule RC-P

First National Bank North Schedule RC-P, Q2 2026
Line item Code Q2 2026
Retail originations during the quarter of 1-4 family residential mortgage loans for sale RCONHT81 $7.6M
Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter RCONFT04 $7.5M
Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading RCONFT05 $1.2M
Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans RIADHT85 $79K
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (4 items)

About Schedule RC-Q

First National Bank North Schedule RC-Q, Q2 2026
Line item Code Q2 2026
Available-for-sale Securities - Level 2 Fair Value Measurements RCONG476 $58.1M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes RCONJA36 $58.1M
Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements RCONG505 $58.1M
Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc RCONG502 $58.1M
Schedule RC-R: Regulatory Capital (2 items)

About Schedule RC-R · First National Bank North regulatory capital trends

First National Bank North Schedule RC-R, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% RCONB704 $567.1M
Excess Allowance for Loan and Lease Losses RCONA222 $2.9M
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)

About Schedule RC-R, Part I · First National Bank North regulatory capital components and ratios trends

First National Bank North Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average total consolidated assets RCOAKW03 $845.2M
Average Total Assets (Net of Deductions) RCOAA224 $842.8M
Risk-weighted Assets (Net of Allowances and Other Deductions) RCOAA223 $564.1M
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCOA3792 $109.4M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $103.2M
Common Equity Tier 1 Capital RCOAP859 $102.3M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $102.3M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $102.3M
Retained Earnings RCOAKW00 $96.1M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $8.6M
General Loan and Lease Valuation Allowances RCOA5310 $7.1M
Tier 2 (Supplementary) Capital RCOA5311 $7.1M
Tier 2 Capital Before Deductions RCOAP870 $7.1M
Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) RCOAP875 $2.4M
Goodwill Net of Associated Deferred Tax Liabilities (Dtls) RCOAP841 $2.3M
Accumulated Other Comprehensive Income RCOAB530 -$1.5M
Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP844 -$1.5M
Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls RCOAP842 $88K
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCOA7205 0.1939
Common Equity Tier 1 Capital Ratio RCOAP793 0.1813
Tier 1 Risk-based Capital Ratio RCOA7206 0.1813
Tier 1 Leverage Capital Ratio RCOA7204 0.1214
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCOAH311 0.1139
Schedule RC-R, Part II: Risk-Weighted Assets (50 items)

About Schedule RC-R, Part II · First National Bank North risk-weighted assets trends

First National Bank North Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCONS580 $567.1M
Total Risk-weighted Assets RCONG641 $564.1M
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCONG637 $413.2M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCONG633 $413.2M
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCOND990 $385.1M
Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures RCONS439 $364.4M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCONG632 $277.0M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCOND989 $277.0M
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCONS462 $273.6M
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCONS457 $273.6M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS442 $268.5M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCONG630 $183.5M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCOND987 $183.5M
Total Cash and Balances Due from Depository Institutions RCOND957 $151.4M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCOND958 $148.9M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCONG636 $138.5M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS443 $96.0M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCONJA21 $58.1M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCONG624 $56.3M
Available-for-sale Securities - 0 Pct Risk Weight Category RCOND967 $34.4M
Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category RCONG629 $28.1M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCONG625 $28.1M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCONG631 $27.4M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCOND988 $21.2M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCONS525 $19.0M
Total All Other Assets RCOND981 $18.9M
Available-for-sale Securities - 20 Pct Risk Weight Category RCOND968 $17.9M
All Other Assets - 100 Pct Risk Weight Category RCOND985 $15.5M
Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category RCONS572 $9.9M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCONS500 -$9.1M
Available-for-sale Securities - 50 Pct Risk Weight Category RCOND969 $7.3M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category RCONS561 $6.6M
Total Balance Sheet Assets - 150 Pct Risk Weight Category RCONS503 $6.6M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCONG635 $5.5M
Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category RCONS447 $5.1M
Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures RCONS445 $5.1M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% RCONS528 $3.8M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCONS526 $3.8M
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCOND959 $2.5M
Financial Standby Letters of Credit - 20 Pct Risk Weight Category RCOND994 $2.4M
Financial Standby Letters of Credit - Credit Equivalent Amount RCOND992 $2.4M
Financial Standby Letters of Credit - Face, Notional, or Other Amount RCOND991 $2.4M
All Other Assets - Adjustments to Totals Reported in Column a RCONS469 $2.4M
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCONS402 -$1.5M
Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category RCONS455 $1.5M
Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual RCONS449 $1.5M
Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS416 $1.2M
Total Loans and Leases Held for Sale, Residential Mortgage Exposures RCONS413 $1.2M
All Other Assets - 20 Pct Risk Weight Category RCOND983 $790K
All Other Assets - 0 Pct Risk Weight Category RCOND982 $258K
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)

About Schedule RC-S

First National Bank North Schedule RC-S, Q2 2026
Line item Code Q2 2026
Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans RCONB790 $7.0M
Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans RCONB797 $121K
Schedule RI-A: Changes in Bank Equity Capital (5 items)

About Schedule RI-A

First National Bank North Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $103.2M
Balance End of Previous Calendar Year as Restated RIADB508 $96.0M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $96.0M
Cash Dividends Declared on Common Stock RIAD4460 $3.7M
Other Comprehensive Income RIADB511 -$10K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)

About Schedule RI-B, Part I · First National Bank North charge-offs and recoveries on loans and leases trends

First National Bank North Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK205 $95K
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $95K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $27K
Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK206 $16K
Other Construction Loans and All Land Development and Other Land Loans, Recoveries RIADC894 $8K
Recoveries on Automobile Loans RIADK133 $2K
Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens RIADC217 $1K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)

About Schedule RI-B, Part II · First National Bank North changes in allowances for credit losses trends

First National Bank North Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $9.9M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $9.6M
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $95K
Provisions for credit losses on off-balance-sheet exposures RIADMG93 -$18K
Schedule RI-E: Explanations (7 items)

About Schedule RI-E

First National Bank North Schedule RI-E, Q2 2026
Line item Code Q2 2026
Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) RIAD4468 $818K
Income and Fees from Automated Teller Machines (Atms) RIADC016 $612K
Automated Teller Machine (ATM) and Interchange Expense RIADF558 $229K
Accounting and Auditing Expenses RIADF556 $157K
Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) RIADY924 $135K
Telecommunications Expense RIADF559 $124K
Operating Expenses Communications - Postage, Monthly RIAD8403 $111K

First National Bank North call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the First National Bank North call report?

The First National Bank North call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does First National Bank North file?

First National Bank North files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the First National Bank North call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: First National Bank North has Federal Reserve RSSD ID 805755 and FDIC certificate number 5269. Either one finds its filings on the FFIEC Central Data Repository.

How often does First National Bank North file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

First National Bank North financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.