FDIC Cert #5269 · Walker, Minnesota · Est. 1902

First National Bank North - FDIC Bank Health Profile

A community-scale look at First National Bank North's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$845M
Total assets
A
Health grade · Excellent
2.50%
Return on assets
17.9%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank North earns a PlainBankData health grade of A (100/100), with well-capitalized at 17.89% Tier 1, profitable at 2.50% ROA, efficient (49% cost ratio).

#1,206
largest of 4,313 FDIC banks by assets
72nd
percentile by asset size, nationally
17.89%
Tier 1 ratio - above the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 5269 · MN A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #47/4307
  • PHOTO-FINISH The First National B… · WI
  • TIER1-WELL 17.9% Tier 1
  • TEXAS-CLEAN 0.7% Texas
  • ROA-STRONG 2.50% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: The First National Bank of Bangor, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First National Bank North

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

First National Bank… · MN · …100/100Morgan Stanley Bank,… · UT ·…100/100Peoples Bank of the… · TN · …100/100The First National B… · NE ·…100/100The First National B… · TX ·…100/100The First National B… · WI ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank North · July 2026

Call Report read for First National Bank North in a high-failure state

First National Bank North (FDIC Cert #5269) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #47 of 4,307. Tier 1 capital prints at 17.89%, clearing the 10% well-capitalized line. The Texas Ratio is 0.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.50%. Balance-sheet scale is $845M, 1,206th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Bangor (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First National Bank North

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

First National Bank North sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about First National Bank North's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How First National Bank North's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
First National Bank North's composite health score
Tier 1 Capital Ratio (17.89%) 40/40
Return on Assets (ROA) (2.50%) 25/25
Texas Ratio (0.66%) 20/20
Efficiency Ratio (49.44%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$845M

Total balance-sheet footings

Total Deposits

$746M

Customer-funded liabilities

Net Loans

$607M

Outstanding loan book

Net Income

$20M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.49% 17.89% 19.29%
Basel III capital ratios - First National Bank North

Where First National Bank North ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank North's score of 100/100 falls in the highlighted band.

First National Bank North: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than 99% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First National Bank North 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First National Bank North'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 North's $845M falls in the highlighted band.

Capital & credit buffers at First National Bank North

Tier 1 capital ratio
Well-capitalized 10%

17.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.89%
Texas Ratio
0.66%
Equity Capital
$96M

What these ratios mean →

Earnings posture at First National Bank North

Return on Assets (ROA)
96th percentile nationally
2.50%
Return on Equity (ROE)
21.67%
Efficiency Ratio
49.44%

What these mean →

Income & expense at First National Bank North

$50M
Interest Income
$6M
Non-Interest Income
$21M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank North reports a Texas Ratio of 0.66% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank North on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($845M here), outside Minnesota so the neighborhood is not state containment.

First Utah Bank $846M · UT Greenfield Co-operative Bank $846M · MA The Old Fort Banking Company $845M · OH Western Bank $845M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank North (FDIC Cert #5269) - 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.

First National Bank North Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
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%