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North American Banking Company
Roseville, MN · FDIC Certificate #34836 · Chartered 07/2
Total assets
$1.47B
Total deposits
$1.09B
Total equity
$99.95M
Net loans
$773.75M
Branches (offices)
6
Net income (YTD)
$15.58M
Rank: #752 of 4,213 U.S. banks by assets · #11 of 221 in Minnesota. Assets changed 5.6% and deposits -3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.13% |
| Return on equity | 32.00% |
| Net interest margin (YTD) | 3.08% |
| Equity to assets | 6.78% |
| Tier 1 leverage ratio | 8.91% |
| Uninsured deposits (share of deposits) | 81.2% |
| Noncurrent loans (share of loans) | 0.51% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 71.3% |
| Real estate loans (share of loans) | 75.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $587.25M | 75.9% | |
| Commercial & industrial | $138.06M | 17.8% | |
| Consumer / individual | $1.92M | 0.2% | |
| Construction & development | $62.38M | 8.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.08B | $941.36M | $7.77M | $29.48M |
| Jun 2023 | $1.23B | $1.02B | $5.23M | $38.82M |
| Jun 2024 | $1.25B | $1.07B | $2.88M | $52.64M |
| Jun 2025 | $1.40B | $1.13B | $7.61M | $83.66M |
| Jun 2026 | $1.47B | $1.09B | $15.58M | $99.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $1.09B | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.09B.
Similar-sized banks
Central National Bank ($1.47B) · West Gate Bank ($1.47B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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