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The First National Bank Of Osakis
Osakis, MN · FDIC Certificate #5221 · Chartered 06/0
Total assets
$97.56M
Total deposits
$80.95M
Total equity
$9.03M
Net loans
$81.25M
Branches (offices)
1
Net income (YTD)
$541.00K
Rank: #3,693 of 4,213 U.S. banks by assets · #172 of 221 in Minnesota. Assets changed 3.0% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 11.97% |
| Net interest margin (YTD) | 3.95% |
| Equity to assets | 9.25% |
| Tier 1 leverage ratio | 8.67% |
| Uninsured deposits (share of deposits) | 15.4% |
| Noncurrent loans (share of loans) | 0.67% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 100.4% |
| Real estate loans (share of loans) | 79.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.61M | 79.5% | |
| Commercial & industrial | $6.46M | 8.0% | |
| Consumer / individual | $2.32M | 2.9% | |
| Construction & development | $5.75M | 7.1% | |
| Agricultural | $7.42M | 9.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $88.59M | $77.00M | $335.00K | $7.62M |
| Jun 2023 | $91.87M | $75.25M | $232.00K | $7.67M |
| Jun 2024 | $91.50M | $73.49M | $214.00K | $7.94M |
| Jun 2025 | $94.71M | $76.33M | $430.00K | $8.45M |
| Jun 2026 | $97.56M | $80.95M | $541.00K | $9.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $80.95M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $80.95M.
Similar-sized banks
Community First Bank ($97.63M) · American Exchange Bank, Lindsay, Oklahoma ($97.36M)
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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