The First National Bank of Moose Lake: 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: 84.25 percentage points higher than in Q1 2026, at 1116.33%. Among 221 Minnesota banks, The First National Bank of Moose Lake sits 22nd from the top on return on assets, 2.13% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, The First National Bank of Moose Lake reported 2.13% on return on assets in Q2 2026, 0.87 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.98% |
| Equity capital to assets | 14.12% |
| Tangible equity to tangible assets | 14.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.49% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 1116.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.13% |
| Return on equity | 15.78% |
| Net interest margin | 4.61% |
| Efficiency ratio | 54.56% |
| Yield on earning assets | 6.17% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.72% |
| Core deposits to total deposits | 78.79% |
| Brokered deposits to total deposits | 6.49% |
| Deposits to assets | 84.07% |
| Securities to assets | 17.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.26% | 1.03% | 3.63% | 0.26% | 0.00% |
| Q4 2023 | 14.13% | 1.72% | 3.67% | 0.22% | 0.12% |
| Q1 2024 | 13.93% | 0.97% | 3.38% | 0.16% | -0.00% |
| Q2 2024 | 14.40% | 1.41% | 3.46% | 0.16% | 0.02% |
| Q3 2024 | 14.44% | 1.31% | 3.76% | 0.15% | -0.03% |
| Q4 2024 | 14.07% | 1.33% | 4.05% | 0.14% | -0.02% |
| Q1 2025 | 14.33% | 1.55% | 3.91% | 0.13% | 0.00% |
| Q2 2025 | 14.80% | 1.80% | 4.11% | 0.12% | -0.02% |
| Q3 2025 | 14.95% | 1.85% | 4.25% | 0.12% | -0.00% |
| Q4 2025 | 14.95% | 1.94% | 4.24% | 0.06% | -0.01% |
| Q1 2026 | 15.76% | 2.04% | 4.44% | 0.11% | 0.00% |
| Q2 2026 | 15.98% | 2.13% | 4.61% | 0.10% | 0.00% |
The First National Bank of Moose Lake 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 Moose Lake, 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 Moose Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5214) · FFIEC NIC profile (RSSD 706058)