The First National Bank of Osakis: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 1.17 percentage points in Q2 2026, from 20.32% to 19.14%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, The First National Bank of Osakis is 177th of 221 on total deposits, $80.9M as of Q2 2026, below the middle of the field. The First National Bank of Osakis's total deposits of $80.9M is well above the $53.8M median for banks in the < $100M asset tier, a gap of 51% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $80.9M |
| Domestic office deposits | $80.9M |
| Foreign office deposits | — |
| Deposits to total assets | 82.97% |
| Deposits to total liabilities | 91.43% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $15.5M |
| Savings deposits | $22.2M |
| Transaction accounts to domestic deposits | 29.53% |
| Time deposits | $31K |
| Time deposits under $100k | $11.1M |
| Time deposits $100k to $250k | $9.3M |
| Time deposits over $250k | $4.4M |
| Noninterest-bearing share of deposits | 19.14% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $76.6M |
| Core deposits to total deposits | 94.58% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.41% |
| Interest expense on deposits | $389K |
| Loans and leases to core deposits | 107.10% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $75.9M | 94.54% | 0.00% | 1.89% |
| Q4 2023 | $74.7M | 95.11% | 0.00% | 2.43% |
| Q1 2024 | $73.4M | 94.24% | 0.00% | 2.53% |
| Q2 2024 | $73.5M | 94.56% | 0.00% | 2.76% |
| Q3 2024 | $76.1M | 94.17% | 0.00% | 2.76% |
| Q4 2024 | $78.8M | 95.30% | 0.00% | 2.71% |
| Q1 2025 | $76.3M | 95.12% | 0.00% | 2.55% |
| Q2 2025 | $76.3M | 94.70% | 0.00% | 2.50% |
| Q3 2025 | $77.0M | 94.72% | 0.00% | 2.49% |
| Q4 2025 | $77.9M | 94.75% | 0.00% | 2.47% |
| Q1 2026 | $79.7M | 94.52% | 0.00% | 2.46% |
| Q2 2026 | $80.9M | 94.58% | 0.00% | 2.41% |
The First National Bank of Osakis deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Osakis, freeSource: Call Report Schedules RC-E and RC-O, 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 Osakis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5221) · FFIEC NIC profile (RSSD 726458)