The First National Bank of Cokato: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3408.39 percentage points lower than in Q1 2026, at 540.00%. The First National Bank of Cokato ranks 76th of 221 Minnesota banks on return on assets, in the upper half at 1.63% (Q2 2026). The First National Bank of Cokato reported 1.63% on return on assets for Q2 2026, 0.38 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.34% |
| Tier 1 risk-based capital ratio | 13.34% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 8.54% |
| Equity capital to assets | 7.03% |
| Tangible equity to tangible assets | 7.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 2.14% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 540.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 23.12% |
| Net interest margin | 3.81% |
| Efficiency ratio | 54.75% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.57% |
| Core deposits to total deposits | 96.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.70% |
| Securities to assets | 23.78% |
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 | 11.95% | 11.95% | 13.20% | 7.08% | 1.29% |
| Q4 2023 | 11.43% | 11.43% | 12.68% | 7.53% | 1.10% |
| Q1 2024 | 11.75% | 11.75% | 13.00% | 7.38% | 0.76% |
| Q2 2024 | 11.79% | 11.79% | 13.05% | 7.64% | 0.91% |
| Q3 2024 | 11.38% | 11.38% | 12.63% | 7.74% | 1.08% |
| Q4 2024 | 11.50% | 11.50% | 12.75% | 7.86% | 0.98% |
| Q1 2025 | 11.93% | 11.93% | 13.18% | 7.68% | 1.01% |
| Q2 2025 | 12.60% | 12.60% | 13.86% | 7.72% | 1.26% |
| Q3 2025 | 12.45% | 12.45% | 13.70% | 8.62% | 1.51% |
| Q4 2025 | 12.50% | 12.50% | 13.75% | 8.77% | 1.34% |
| Q1 2026 | 13.10% | 13.10% | 14.35% | 8.75% | 1.35% |
| Q2 2026 | 13.34% | 13.34% | 14.59% | 8.54% | 1.63% |
The First National Bank of Cokato vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Cokato, 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 The First National Bank of Cokato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5115) · FFIEC NIC profile (RSSD 280558)