The First National Bank of Coleraine
Also written as FNB of Coleraine
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Coleraine is an FDIC-insured commercial bank headquartered in Coleraine, MN, supervised by the OCC, with $112.0M in total assets at Q2 2026, up 7.7% from Q2 2025, the 161st largest of 221 banks headquartered in Minnesota. It was established in 1906 and holds FDIC certificate 5117. Its CET1 capital ratio was 18.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5117
- Headquarters
- Coleraine, MN
- Established
- 1906
- Total assets, Q2 2026
- $112.0M
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 18.70%
- Domestic offices
- 2 · The First National Bank of Coleraine branches FDIC institution directory, current count
- Routing number
- 091206965
- Safety and soundness
- Is The First National Bank of Coleraine safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Coleraine Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- JAN-MAR CORP.
- Asset rank in state
- 161st of 221 in Minnesota
The First National Bank of Coleraine, based in Coleraine, Minnesota, reported $112 million in assets at June 30, 2026, up 7.7% from a year earlier. It keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also funds 7.63% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $225,000, 65% above the same quarter a year earlier. Over the same year, loans grew 0.0% and deposits grew 7.3%. Profitability lags: it earns about $0.83 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, The First National Bank of Coleraine reported a CET1 capital ratio of 18.70%, a return on assets of 0.83%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The First National Bank of Coleraine ranks as the 161st largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $112.0M, loans fell 0.9% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 56.3% of total loans, followed by owner-occupied commercial real estate loans at 13.9%. Its 2 offices in the FDIC Summary of Deposits are in Coleraine, MN and La Prairie, MN; its Coleraine office books 55% of its branch deposits. On its Q2 2026 call report, The First National Bank of Coleraine meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 600 Powell Ave, Coleraine, MN 55722
- County
- Itasca
- Metro Area
- Grand Rapids, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $105.1M
- Allowance for credit losses
- $397K
- Net charge-offs (YTD)
- $6K
- Average total assets
- $108.1M
- Average total loans
- $42.3M
- Average interest-bearing deposits
- $83.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5117
- Fed RSSD
- 311658
- Website
- www.colerainebank.com →
- Parent Holding Company
- JAN-MAR CORP. (RSSD 1122217)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Coleraine's total assets ranged from $101.5M (Q3 2023) to $112.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$112.0M total assets against $103.9M; $105.4M total liabilities against $98.2M.
$41.5M net loans and leases against $41.5M; $105.1M total deposits against $98.0M.
$47.4M securities against $47.0M; $18.0M cash and balances due against $10.2M.
$1.1M total interest income against $964K; $377K total interest expense against $357K.
$748K net interest income against $607K.
$48K total noninterest income against $86K; $515K total noninterest expense against $521K.
No provision recorded in the last 12 quarters.
$225K net income against $136K.
0.83% return on assets against 0.53%; 2.91% net interest margin against 2.48%.
18.70% CET1 capital ratio against 17.27%; 7.63% tier 1 leverage ratio against 7.79%.
Inside the full The First National Bank of Coleraine terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Coleraine rankings
Its closest position to the top of a national ranking is 413 of 2,134, for CET1 ratio; its furthest is 3,625 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.27% (Q3 2024) to 0.83% (Q2 2026) and its net interest margin ran from 2.24% (Q1 2025) to 2.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.70% | 0.83% | 0.00% | 0.00% | 2.91% |
| Q1 2026 | 18.14% | 0.51% | 0.00% | 0.00% | 2.60% |
| Q4 2025 | 17.76% | 0.65% | 0.00% | 0.00% | 2.57% |
| Q3 2025 | 17.57% | 0.36% | 0.00% | 0.00% | 2.48% |
| Q2 2025 | 17.27% | 0.53% | 0.00% | 0.00% | 2.48% |
| Q1 2025 | 17.65% | 0.28% | 0.00% | 0.00% | 2.24% |
| Q4 2024 | 17.18% | 0.33% | 0.00% | 0.00% | 2.36% |
| Q3 2024 | 17.42% | 0.27% | 0.00% | 0.00% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Coleraine | Coleraine , MN | 55722 | $57.8M |
| The La Prairie Bank Branch | La Prairie , MN | 55744 | $47.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 190 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Coleraine
What are The First National Bank of Coleraine's total assets?
As of the Q2 2026 filing, The First National Bank of Coleraine reported total assets of $112.0 million in its FFIEC call report.
Where is The First National Bank of Coleraine headquartered?
It is headquartered in Coleraine, MN, United States.
When was The First National Bank of Coleraine founded?
It was established in 1906, per the FDIC institution directory.
Is The First National Bank of Coleraine FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Coleraine?
The First National Bank of Coleraine's primary federal regulator is the OCC.
What is The First National Bank of Coleraine's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Coleraine operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Coleraine's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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