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The First National Bank Of Le Center
Lonsdale, MN · FDIC Certificate #5180 · Chartered 01/0
Total assets
$178.16M
Total deposits
$139.56M
Total equity
$16.28M
Net loans
$129.63M
Branches (offices)
2
Net income (YTD)
$1.39M
Rank: #3,126 of 4,213 U.S. banks by assets · #124 of 221 in Minnesota. Assets changed 7.9% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 17.79% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 9.14% |
| Tier 1 leverage ratio | 9.50% |
| Uninsured deposits (share of deposits) | 4.5% |
| Noncurrent loans (share of loans) | 1.72% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 92.9% |
| Real estate loans (share of loans) | 61.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $79.63M | 61.4% | |
| Commercial & industrial | $15.14M | 11.7% | |
| Consumer / individual | $7.54M | 5.8% | |
| Construction & development | $5.92M | 4.6% | |
| Agricultural | $28.12M | 21.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $133.11M | $115.33M | $997.00K | $13.03M |
| Jun 2023 | $142.72M | $114.95M | $626.00K | $12.94M |
| Jun 2024 | $155.38M | $132.97M | $587.00K | $13.76M |
| Jun 2025 | $165.11M | $138.31M | $1.14M | $15.42M |
| Jun 2026 | $178.16M | $139.56M | $1.39M | $16.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $139.56M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $139.56M.
Similar-sized banks
United Trust Bank ($178.17M) · South Lafourche Bank & Trust Company ($177.53M)
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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