The First National Bank of Manning
Also written as FNB of Manning
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Manning is an FDIC-insured commercial bank headquartered in Manning, IA, established in 1886 (FDIC certificate 4477), and it is supervised by the OCC. At Q2 2026 it reported total assets of $87.7M, up 12.6% from Q2 2025, the 198th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 29.33% 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
- 4477
- Headquarters
- Manning, IA
- Established
- 1886
- Total assets, Q2 2026
- $87.7M
- Assets vs Q2 2025
- +12.6%
- CET1 ratio, Q2 2026
- 29.33%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073904890
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Manning Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- MANNING FINANCIAL SERVICES, INC.
- Asset rank in state
- 198th of 225 in Iowa
The First National Bank of Manning, based in Manning, Iowa, reported $88 million in assets at June 30, 2026, up 12.6% from a year earlier. It keeps 2.84 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.9%).
Earnings jumped: net income for the quarter was $237,000, 68% above the same quarter a year earlier. Delinquency has appeared in its $9.0 million non-owner-occupied commercial real estate book: 2.99% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.15% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, The First National Bank of Manning reported a CET1 capital ratio of 29.33%, a return on assets of 1.09%, 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 Manning ranks as the 198th largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.6% to $87.7M, loans rose 2.4% and deposits rose 5.5%. Farmland and other real estate loans made up 23.3% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 22.2%. The FDIC Summary of Deposits lists a single office for it, in Manning, IA. By the capital ratios in its Q2 2026 call report, The First National Bank of Manning meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Main St, Manning, IA 51455
- County
- Carroll
- Metro Area
- Carroll, IA
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1886
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $74.5M
- Allowance for credit losses
- $729K
- Net charge-offs (YTD)
- $0
- Average total assets
- $86.6M
- Average total loans
- $41.7M
- Average interest-bearing deposits
- $64.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4477
- Fed RSSD
- 818540
- Website
- http://www.fnbmanning.com →
- Parent Holding Company
- MANNING FINANCIAL SERVICES, INC. (RSSD 1491838)
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 Manning's total assets ranged from $77.9M (Q2 2025) to $87.7M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$87.7M total assets against $77.9M; $75.2M total liabilities against $65.9M.
$41.9M net loans and leases against $38.1M; $74.5M total deposits against $65.4M.
$25.4M securities against $27.9M; $18.9M cash and balances due against $10.4M.
$987K total interest income against $867K; $393K total interest expense against $382K.
$594K net interest income against $485K.
$11K total noninterest income against $10K; $299K total noninterest expense against $315K.
No provision recorded in the last 12 quarters.
$237K net income against $141K.
1.09% return on assets against 0.69%; 2.84% net interest margin against 2.45%.
29.33% CET1 capital ratio against 31.02%; 14.97% tier 1 leverage ratio against 15.24%.
Inside the full The First National Bank of Manning terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.18% (Q4 2024) to 1.09% (Q2 2026) and its net interest margin ran from 1.87% (Q3 2024) to 2.84% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.33% | 1.09% | 0.00% | 0.00% | 2.84% |
| Q1 2026 | 28.63% | 0.97% | 0.00% | 0.00% | 2.79% |
| Q4 2025 | 27.31% | 0.77% | 0.00% | 0.00% | 2.77% |
| Q3 2025 | 30.69% | 0.73% | 0.00% | 0.00% | 2.57% |
| Q2 2025 | 31.02% | 0.69% | 0.00% | 0.00% | 2.45% |
| Q1 2025 | 30.13% | 0.64% | 0.00% | 0.00% | 2.24% |
| Q4 2024 | 29.49% | 0.18% | 0.00% | 0.00% | 1.94% |
| Q3 2024 | 32.70% | 0.19% | 0.00% | 0.00% | 1.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Manning | Manning , IA | 51455 | $74.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 21, 1991, OCC: Formal Agreement: The First National Bank Of Manning
- Period: Most recent institution action October 21, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IA, rank 223 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $122K approved, $122K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Manning
What are The First National Bank of Manning's total assets?
As of the Q2 2026 filing, The First National Bank of Manning reported total assets of $87.7 million in its FFIEC call report.
Where is The First National Bank of Manning headquartered?
It is headquartered in Manning, IA, United States.
When was The First National Bank of Manning founded?
It was established in 1886, per the FDIC institution directory.
Is The First National Bank of Manning FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4477). 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 Manning?
The First National Bank of Manning's primary federal regulator is the OCC.
What is The First National Bank of Manning's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.33% 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 Manning operate?
It operates 1 domestic office, 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 Manning'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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