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The First National Bank of Cokato

$100M-$1B Specialty: Commercial MN FDIC cert 5115

Cokato, MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

The First National Bank of Cokato has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.11% above tier average
  • + Efficiency Ratio 8.58% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 10.7% in tier
Get updates when The First National Bank of Cokato releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $128.0M
-6.0% YoY +2.1% QoQ
-$258.0M $386.1M
+0.5% YoY
$514.9M
+5.5% YoY
$6.2B
+9.0% YoY
Bottom 8.3% in tier
Total Loans ? $91.8M
+4.4% YoY -1.1% QoQ
-$163.9M $255.7M
+1.1% YoY
$289.5M
+6.9% YoY
$3.2B
+10.7% YoY
17%
Total Deposits ? $118.3M
-7.8% YoY +2.1% QoQ
-$209.6M $328.0M
+0.0% YoY
$445.6M
+5.0% YoY
$4.8B
+8.0% YoY
Bottom 11.3% in tier
Return on Assets ? 1.35%
+33.9% YoY +5.9% QoQ
+0.09% 1.27%
+12.8% YoY
1.14%
+11.1% YoY
1.24%
+13.1% YoY
59%
Net Interest Margin ? 4.04%
+16.2% YoY +5.4% QoQ
+0.11% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
59%
Efficiency Ratio ? 56.71%
-2.5% YoY -1.5% QoQ
-8.58% 65.29%
-4.4% YoY
64.52%
-3.4% YoY
66.84%
-3.8% YoY
69%
Delinquency Rate ? 0.30%
-75.9% YoY -10.0% QoQ
-0.59% 0.89%
+18.9% YoY
1.04%
+28.5% YoY
0.95%
+18.8% YoY
57%
Loan-to-Deposit Ratio ? 77.61%
+13.3% YoY -3.2% QoQ
+0.98% 76.64%
+0.8% YoY
76.74%
-0.5% YoY
76.69%
+0.9% YoY
51%
Non-Interest-Bearing Deposit Share ? 28.68%
-3.8% YoY -7.3% QoQ
+6.66% 22.02%
-0.9% YoY
21.89%
-0.8% YoY
22.01%
-1.1% YoY
79%
Nonperforming Asset Ratio ? 0.21%
-73.2% YoY -12.8% QoQ
-0.42% 0.64%
+19.7% YoY
0.77%
+26.8% YoY
0.66%
+19.3% YoY
58%
Tier 1 Capital Ratio ? 13.10%
+9.8% YoY +4.8% QoQ
-2.73% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.10%
+17.6% YoY -77.1% QoQ
-0.18% 0.28%
+9.3% YoY
0.15%
+3.6% YoY
0.32%
+4.0% YoY
50%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline
#55 of 506 • Bottom 10.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 655 nationally
→ Stable -6 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

568
Non-Interest-Bearing Deposit Share
funding
Value: 28.68%
Peer Median: 22.02%
#568 of 2664 Top 21.3% in $100M-$1B

Top Weaknesses (3 metrics)

2445
Total Assets
size
Value: $128.03M
Peer Median: $386.08M
#2445 of 2664 Bottom 8.3% in $100M-$1B
2363
Total Deposits
size
Value: $118.34M
Peer Median: $327.97M
#2363 of 2664 Bottom 11.3% in $100M-$1B
2225
Total Loans
size
Value: $91.85M
Peer Median: $255.72M
#2225 of 2664 Bottom 16.5% in $100M-$1B
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