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The First National Bank Of Milaca
Milaca, MN · FDIC Certificate #5198 · Chartered 08/2
Total assets
$293.22M
Total deposits
$259.78M
Total equity
$30.04M
Net loans
$196.03M
Branches (offices)
4
Net income (YTD)
$2.80M
Rank: #2,507 of 4,213 U.S. banks by assets · #91 of 221 in Minnesota. Assets changed 4.5% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.95% |
| Return on equity | 19.05% |
| Net interest margin (YTD) | 4.58% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 10.77% |
| Uninsured deposits (share of deposits) | 14.0% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 75.5% |
| Real estate loans (share of loans) | 65.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $127.50M | 65.0% | |
| Commercial & industrial | $40.89M | 20.9% | |
| Consumer / individual | $12.62M | 6.4% | |
| Construction & development | $12.52M | 6.4% | |
| Agricultural | $16.27M | 8.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $271.86M | $251.40M | $1.07M | $19.60M |
| Jun 2023 | $281.70M | $246.10M | $1.26M | $19.66M |
| Jun 2024 | $269.38M | $246.25M | $1.02M | $22.30M |
| Jun 2025 | $280.56M | $247.16M | $2.25M | $26.14M |
| Jun 2026 | $293.22M | $259.78M | $2.80M | $30.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $259.78M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $259.78M.
Similar-sized banks
Castle Rock Bank ($293.51M) · Security First Bank Of North Dakota ($293.16M)
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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