The First National Bank of Milaca: 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: 13.34 percentage points higher than in Q1 2026, at 228.33%. The First National Bank of Milaca ranks 33rd of 221 Minnesota banks on return on assets, in the upper half at 2.01% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The First National Bank of Milaca reported 2.01% on return on assets in Q2 2026, 0.77 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.35% |
| Tier 1 risk-based capital ratio | 17.35% |
| Total risk-based capital ratio | 18.48% |
| Tier 1 leverage ratio | 10.77% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 10.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.83% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 228.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.01% |
| Return on equity | 19.79% |
| Net interest margin | 4.62% |
| Efficiency ratio | 56.24% |
| Yield on earning assets | 5.71% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.24% |
| Core deposits to total deposits | 95.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.60% |
| Securities to assets | 24.22% |
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 | 16.63% | 16.63% | 17.64% | 9.64% | 0.77% |
| Q4 2023 | 16.92% | 16.92% | 17.90% | 9.78% | 0.54% |
| Q1 2024 | 15.94% | 15.94% | 17.12% | 10.07% | 0.52% |
| Q2 2024 | 16.43% | 16.43% | 17.66% | 10.18% | 1.00% |
| Q3 2024 | 15.83% | 15.83% | 17.09% | 9.74% | -0.65% |
| Q4 2024 | 16.32% | 16.32% | 17.57% | 9.38% | 0.00% |
| Q1 2025 | 16.56% | 16.56% | 17.81% | 9.77% | 1.48% |
| Q2 2025 | 16.81% | 16.81% | 18.03% | 10.03% | 1.76% |
| Q3 2025 | 17.61% | 17.61% | 18.82% | 10.35% | 1.77% |
| Q4 2025 | 18.04% | 18.04% | 19.10% | 10.42% | 1.48% |
| Q1 2026 | 17.66% | 17.66% | 18.78% | 10.62% | 1.88% |
| Q2 2026 | 17.35% | 17.35% | 18.48% | 10.77% | 2.01% |
The First National Bank of Milaca 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 Milaca, 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 Milaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5198) · FFIEC NIC profile (RSSD 924357)