First National Bank North: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First National Bank North is the primary bank subsidiary of its parent holding company, headquartered in Walker, MN. As of Q2 2026, the bank held approximately $864M in total assets and $756M in deposits. Profitability is strong, 2.61% ROA, paired with 21.60% ROE and a 4.72% net interest margin. Capital cushions are healthy: 18.13% CET1, 12.14% Tier 1 leverage. Asset quality is pristine, 0.23% NPLs and a 1.86% Texas Ratio. It operates 10 branches, primarily in Minnesota.
As of June 30, 2026, First National Bank North reported a CET1 capital ratio of 18.13%, a return on assets of 2.61%, a nonperforming-loan ratio of 0.23%, a Texas ratio of 1.86%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 600 Minnesota Ave W, Walker, MN 56484
- County
- Cass
- Metro Area
- Brainerd, MN
- 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 041
- Established
- December 1, 1902
- Offices
- 10 domestic
- Employees (FTE)
- 123
- Domestic deposits
- $756.3M
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $68K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5269
- Fed RSSD
- 805755
- Website
- www.fnbnorth.com →
- Parent Holding Company
- WALKER BAN CO. (RSSD 1126318)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank North terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank North, freeFirst National Bank North rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First National Bank North: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.13% | 2.61% | 0.23% | 1.86% | 4.72% |
| Q1 2026 | 18.50% | 2.51% | 0.24% | 1.66% | 4.53% |
| Q4 2025 | 17.89% | 2.51% | 0.21% | 1.25% | 4.69% |
| Q3 2025 | 18.53% | 2.61% | 0.23% | 1.58% | 4.65% |
| Q2 2025 | 18.46% | 2.53% | 0.36% | 2.70% | 4.71% |
| Q1 2025 | 18.40% | 2.33% | 0.42% | 2.53% | 4.37% |
| Q4 2024 | 17.79% | 2.42% | 0.39% | 2.91% | 4.71% |
| Q3 2024 | 18.17% | 2.47% | 0.42% | 2.87% | 4.43% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank North (main office) | Walker , MN | 56484 | $236.0M |
| Pequot Lakes Branch | Pequot Lakes , MN | 56472 | $109.6M |
| Crosslake Branch | Crosslake , MN | 56442 | $97.0M |
| Longville Branch | Longville , MN | 56655 | $82.9M |
| Baxter Branch | Baxter , MN | 56425 | $69.1M |
| Hackensack Branch | Hackensack , MN | 56452 | $55.0M |
| Backus Branch | Backus , MN | 56435 | $42.3M |
| Remer Branch | Remer , MN | 56672 | $28.3M |
| Akeley Branch | Akeley , MN | 56433 | $24.8M |
| Nisswa Branch | Nisswa , MN | 56468 | $11.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 11, 2015 | Structure Change | Acquired Lakes State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 10, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 1990 | Structure Change | Charter Retained (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for First National Bank North, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- August 2, 2010, OCC: Formal Agreement: First National Bank of The North
- April 6, 2001, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank Of The North
- Period: Most recent institution action August 2, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MN, rank 38 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First National Bank North
What are First National Bank North's total assets?
As of the Q2 2026 filing, First National Bank North reported total assets of $864.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank North headquartered?
First National Bank North is headquartered in Walker, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank North founded?
First National Bank North was established in 1902, per the FDIC institution directory.
Is First National Bank North FDIC-insured?
Yes. First National Bank North is an FDIC-insured commercial bank (FDIC Certificate #5269). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank North?
First National Bank North's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank North's CET1 capital ratio?
First National Bank North reported a Common Equity Tier 1 (CET1) capital ratio of 18.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank North operate?
First National Bank North operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank North's Texas Ratio?
First National Bank North's Texas Ratio is 1.86% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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