Total Assets
$451M
Total balance-sheet footings
FDIC Cert #5247 · Saint Peter, Minnesota · Est. 1857
First National Bank Minnesota - FDIC Bank Health Profile
A community-scale look at First National Bank Minnesota's own numbers, pulled straight from its quarterly FDIC Call Report.
- $451M
- Total assets
- B
- Health grade · Good
- 0.81%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank Minnesota earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.39% Tier 1, 0.81% ROA, 64% efficiency ratio.
- #1,923
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 12.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 30th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First National Bank Minnesota's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank Minnesota's composite health score
Tier 1 Capital Ratio (12.39%) 35/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (9.78%) 16/20
Efficiency Ratio (63.54%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$386M
Customer-funded liabilities
Net Loans
$334M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank Minnesota ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank Minnesota's score of 73/100 falls in the highlighted band.
First National Bank Minnesota's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank Minnesota's $451M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.39%
Texas Ratio
9.78%
Equity Capital
$43M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
9.17%
Efficiency Ratio
63.54%
What the numbers say about First National Bank Minnesota
First National Bank Minnesota is an FDIC-insured institution (Certificate #5247) headquartered in Saint Peter, Minnesota, established in 1857. It holds $451M in total assets - 1,923rd of 4,313 FDIC-insured banks, $386M in customer deposits, and $334M in net loans. Capital-wise, the Tier 1 ratio sits at 12.39%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 9.78%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank Minnesota sits 56th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$22M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank Minnesota reports a Texas Ratio of 9.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank Minnesota (FDIC Cert #5247) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is First National Bank Minnesota's health grade?▼
First National Bank Minnesota receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First National Bank Minnesota?▼
First National Bank Minnesota holds $451M in total assets and $386M in deposits, ranking 1,923rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Peter, Minnesota.
Is my money safe at First National Bank Minnesota?▼
Yes, deposits at First National Bank Minnesota (Certificate #5247) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank Minnesota's Tier 1 Capital Ratio?▼
First National Bank Minnesota has a Tier 1 Capital Ratio of 12.39%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank Minnesota?▼
First National Bank Minnesota has a Texas Ratio of 9.78%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank Minnesota?▼
First National Bank Minnesota has an Efficiency Ratio of 63.54%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank Minnesota's profile as a depositor or analyst.
- First National Bank Minnesota's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank Minnesota against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.