The First National Bank of Proctor: 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 Securities to assets: 2.67 percentage points higher than in Q1 2026, at 36.98%. The First National Bank of Proctor has the 17th lowest return on assets of the 221 banks headquartered in Minnesota, at 0.53% as of Q2 2026. The median for banks in the < $100M asset tier is 0.98% on return on assets. The First National Bank of Proctor sits 0.45 points lower, at 0.53% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.38% |
| Tier 1 risk-based capital ratio | 25.38% |
| Total risk-based capital ratio | 26.18% |
| Tier 1 leverage ratio | 8.47% |
| Equity capital to assets | 8.41% |
| Tangible equity to tangible assets | 8.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.53% |
| Return on equity | 6.65% |
| Net interest margin | 3.59% |
| Efficiency ratio | 78.22% |
| Yield on earning assets | 4.47% |
| Cost of funds | 0.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.73% |
| Core deposits to total deposits | 98.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.46% |
| Securities to assets | 36.98% |
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 | 22.86% | 22.86% | 23.67% | 8.89% | 0.36% |
| Q4 2023 | 23.33% | 23.33% | 24.16% | 8.69% | 0.25% |
| Q1 2024 | 22.63% | 22.63% | 23.43% | 8.68% | 0.16% |
| Q2 2024 | 22.81% | 22.81% | 23.61% | 8.72% | 0.05% |
| Q3 2024 | 21.75% | 21.75% | 22.51% | 8.54% | 0.48% |
| Q4 2024 | 22.64% | 22.64% | 23.41% | 8.58% | 0.36% |
| Q1 2025 | 22.55% | 22.55% | 23.31% | 8.48% | 0.56% |
| Q2 2025 | 24.04% | 24.04% | 24.85% | 8.24% | 0.46% |
| Q3 2025 | 24.66% | 24.66% | 25.47% | 8.24% | 0.75% |
| Q4 2025 | 24.91% | 24.91% | 25.73% | 8.28% | 0.00% |
| Q1 2026 | 24.95% | 24.95% | 25.75% | 8.49% | 0.59% |
| Q2 2026 | 25.38% | 25.38% | 26.18% | 8.47% | 0.53% |
The First National Bank of Proctor 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 Proctor, 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 Proctor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5232) · FFIEC NIC profile (RSSD 731957)