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The First National Bank of Milaca

$100M-$1B Specialty: Commercial MN FDIC cert 5198

Milaca, MN

4 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +5.1% year over year ($259.8M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 1.95%.
  • Efficiency ratio 57.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.46% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

The First National Bank of Milaca demonstrates 4 strengths

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

  • + Profitability Leader: Top 37.8% in tier
  • + Net Interest Margin 0.59% above tier average
  • + Efficiency Ratio 6.91% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The First National Bank of Milaca releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $293.2M
+4.5% YoY +2.6% QoQ
-$93.4M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $196.0M
+8.9% YoY +5.6% QoQ
-$62.3M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $259.8M
+5.1% YoY +1.4% QoQ
-$67.0M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.95%
+20.8% YoY +3.3% QoQ
+0.63% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 14.3% in tier
Net Interest Margin ? 4.58%
+13.6% YoY +2.3% QoQ
+0.59% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 57.57%
-9.1% YoY -2.2% QoQ
-6.91% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.37%
-63.6% YoY -40.3% QoQ
-0.54% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 75.46%
+3.6% YoY +4.1% QoQ
-2.49% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 32.17%
+1.4% YoY +1.3% QoQ
+10.14% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Top 14.0% in tier
Nonperforming Asset Ratio ? 0.25%
-62.0% YoY -38.6% QoQ
-0.42% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 17.35%
+3.3% YoY -1.7% QoQ
+1.45% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
78%
Non-Interest Income / Assets ? 0.29%
+7.6% YoY +87.2% QoQ
-0.28% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 32.2%
+0.4pp YoY
+0.4pp QoQ
 +10.0pp 22.1% 21.9% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 20.9%
-1.8pp YoY
-0.2pp QoQ
 +9.3pp 11.6% 14.6% 12.5% 90%
CRE 29.5%
+3.0pp YoY
-0.1pp QoQ
 -10.1pp 39.5% 36.5% 41.4% 34%
1-4 Family 29.3%
-1.2pp YoY
+0.7pp QoQ
 -3.4pp 32.6% 29.4% 31.3% 49%
Consumer 6.4%
-0.6pp YoY
-0.3pp QoQ
 +2.3pp 4.1% 4.5% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 17.4%
+0.5pp YoY
-0.3pp QoQ
 -1.5pp 18.8% 16.5% 19.7% 65%
Leverage Ratio 10.8%
+0.7pp YoY
+0.1pp QoQ
 -1.4pp 12.2% 11.0% 12.6% 46%
Total Capital Ratio 18.5%
+0.5pp YoY
-0.3pp QoQ
 -1.5pp 19.9% 17.6% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 51
-2 (-3.8%) YoY
+1 (+2.0%) QoQ
 -8 58 55 482 54%
Assets per Employee ($) $5.7M
+8.6% YoY
+0.6% QoQ
 -$1.8M $7.5M $8.6M $8.8M 28%
Branch Count 4
0 YoY
0 QoQ
 -1 4 4 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.3pp YoY
-0.2pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 17%
Nonaccrual 0.4%
-0.3pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 44%
Allowance Coverage 2.76x
+145.5% YoY
+67.0% QoQ
 -21.39x 24.15x 20.41x 20.23x 56%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
 -0.1pp 0.1% 0.2% 0.2% 23%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 19.1%
+0.5pp YoY
+0.6pp QoQ
 +6.9pp 12.2% 13.1% 11.6% 85%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 14%
Net Income ($, YTD) $2.8M
+24.5% YoY
— QoQ
 +$247K $2.6M $4.5M $40.4M 67%

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 (1)

Profitability Leader

growth
#251 of 661 • Top 37.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

372
Non-Interest-Bearing Deposit Share
funding
Value: 32.17%
Peer Median: 22.03%
#372 of 2643 Top 14.0% in $100M-$1B
380
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.32%
#380 of 2643 Top 14.3% in $100M-$1B
471
Net Interest Margin
profitability
Value: 4.58%
Peer Median: 3.99%
#471 of 2643 Top 17.8% in $100M-$1B
577
Tier 1 Capital Ratio
capital
Value: 17.35%
Peer Median: 15.91%
#577 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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