The First National Bank of Moose Lake
Also written as FNB of Moose Lake
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Moose Lake is an FDIC-insured commercial bank headquartered in Moose Lake, MN, supervised by the OCC, with $133.7M in total assets at Q2 2026, up 0.6% from Q2 2025, the 147th largest of 221 banks headquartered in Minnesota. It was established in 1926 and holds FDIC certificate 5214. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5214
- Headquarters
- Moose Lake, MN
- Established
- 1926
- Total assets, Q2 2026
- $133.7M
- Assets vs Q2 2025
- +0.6%
- Tier 1 leverage ratio, Q2 2026
- 15.98%
- Domestic offices
- 2 · The First National Bank of Moose Lake branches FDIC institution directory, current count
- Routing number
- 091914820
- Safety and soundness
- Is The First National Bank of Moose Lake safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Moose Lake Q3 2026 call report, filed October 16, 2026 (preliminary)
- Holding company
- FIRST FINANCIAL SERVICES OF MOOSE LAKE, INC.
- Asset rank in state
- 147th of 221 in Minnesota
The First National Bank of Moose Lake carries far more capital than most banks of its size. It reported $134 million in assets at June 30, 2026. It funds 15.98% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also earns about $2.13 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Net income for the quarter rose 17% from a year earlier, to $732,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.1 million equal 14% of Tier 1 capital, down from 22% a year earlier.
As of June 30, 2026, The First National Bank of Moose Lake reported a return on assets of 2.13%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Moose Lake is the 147th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $133.7M, loans fell 2.2% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.2%. Its 2 offices in the FDIC Summary of Deposits are in Moose Lake, MN. By the capital ratios in its Q2 2026 call report, The First National Bank of Moose Lake meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 400 Elm Ave, Moose Lake, MN 55767
- County
- Carlton
- Metro Area
- Duluth, MN-WI
- 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
- June 21, 1926
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $112.4M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $137.8M
- Average total loans
- $97.4M
- Average interest-bearing deposits
- $90.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5214
- Fed RSSD
- 706058
- Website
- www.firstmooselake.com →
- Parent Holding Company
- FIRST FINANCIAL SERVICES OF MOOSE LAKE, INC. (RSSD 1249226)
- Ultimate Parent
- RSSD 2992396
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The First National Bank of Moose Lake reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Moose Lake's total assets moved between a low of $129.6M (Q2 2024) and a high of $138.8M (Q4 2025) from Q3 2023 to Q2 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
$133.7M total assets against $132.9M; $114.8M total liabilities against $116.9M.
$95.2M net loans and leases against $97.6M; $112.4M total deposits against $112.3M.
$23.4M securities against $24.2M; $12.1M cash and balances due against $8.3M.
$2.1M total interest income against $2.0M; $528K total interest expense against $589K.
$1.5M net interest income against $1.4M.
$89K total noninterest income against $92K; $902K total noninterest expense against $857K.
$0 provision for credit losses against $0.
$732K net income against $623K.
2.13% return on assets against 1.80%; 4.61% net interest margin against 4.11%.
15.98% tier 1 leverage ratio against 14.80%.
Inside the full The First National Bank of Moose Lake terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Moose Lake rankings
Its closest position to the top of a national ranking is 372 of 3,611, for ROA; its furthest is 3,426 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.31% (Q3 2024) to 2.13% (Q2 2026) and its net interest margin ran from 3.76% (Q3 2024) to 4.61% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.98% | 2.13% | 0.10% | 0.49% | 4.61% |
| Q1 2026 | 15.76% | 2.04% | 0.13% | 0.64% | 4.44% |
| Q4 2025 | 14.95% | 1.94% | 0.06% | 0.30% | 4.24% |
| Q3 2025 | 14.95% | 1.85% | 0.06% | 0.32% | 4.25% |
| Q2 2025 | 14.80% | 1.80% | 0.06% | 0.37% | 4.11% |
| Q1 2025 | 14.33% | 1.55% | 0.07% | 0.40% | 3.91% |
| Q4 2024 | 14.07% | 1.33% | 0.07% | 0.44% | 4.05% |
| Q3 2024 | 14.44% | 1.31% | 0.08% | 0.44% | 3.76% |
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 Moose Lake | Moose Lake , MN | 55767 | $111.1M |
| Industrial Park Branch | Moose Lake , MN | 55767 | $1.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 182 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 74 applications, 47 loans originated, $13.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.6M approved, $3.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Moose Lake
What are The First National Bank of Moose Lake's total assets?
As of the Q2 2026 filing, The First National Bank of Moose Lake reported total assets of $133.7 million in its FFIEC call report.
Where is The First National Bank of Moose Lake headquartered?
It is headquartered in Moose Lake, MN, United States.
When was The First National Bank of Moose Lake founded?
It was established in 1926, per the FDIC institution directory.
Is The First National Bank of Moose Lake FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5214). 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 Moose Lake?
The First National Bank of Moose Lake's primary federal regulator is the OCC.
How many branches does The First National Bank of Moose Lake 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 Moose Lake's Texas Ratio?
Its Texas Ratio is 0.49% 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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