Total Assets
$845M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$746M
Customer-funded liabilities
Net Loans
$607M
Outstanding loan book
Net Income
$20M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.50%
Return on Equity (ROE)
21.67%
Efficiency Ratio
49.44%
What the numbers say about First National Bank North
First National Bank North is an FDIC-insured institution (Certificate #5269) headquartered in Walker, Minnesota, established in 1902. It holds $845M in total assets - 1,206th of 4,313 FDIC-insured banks, $746M in customer deposits, and $607M in net loans. Capital-wise, the Tier 1 ratio sits at 17.89%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.66%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 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 North sits 24th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Minnesota by total assets
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.
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 North's health grade?▼
First National Bank North receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank North?▼
First National Bank North holds $845M in total assets and $746M in deposits, ranking 1,206th of 4,313 FDIC-insured banks by asset size. It is headquartered in Walker, Minnesota.
Is my money safe at First National Bank North?▼
Yes, deposits at First National Bank North (Certificate #5269) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank North's Tier 1 Capital Ratio?▼
First National Bank North has a Tier 1 Capital Ratio of 17.89%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank North?▼
First National Bank North has a Texas Ratio of 0.66%. 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 North?▼
First National Bank North has an Efficiency Ratio of 49.44%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank North's profile as a depositor or analyst.
- First National Bank North's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank North 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.