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The First National Bank of Moose Lake

$100M-$1B Specialty: Commercial MN FDIC cert 5214

Moose Lake, MN

2 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 +0.1% year over year ($112.4M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 2.12%.
  • Efficiency ratio 55.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.74% 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 Moose Lake 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

  • + Profitability Leader: Top 24.8% in tier
  • + Net Interest Margin 0.60% above tier average
  • + Efficiency Ratio 8.94% below tier average
  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.0% in tier
Get updates when The First National Bank of Moose Lake releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $133.7M
+0.6% YoY -1.4% QoQ
-$252.9M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 9.0% in tier
Total Loans ? $95.2M
-2.4% YoY -2.2% QoQ
-$163.1M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $112.4M
+0.1% YoY -0.5% QoQ
-$214.4M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 9.4% in tier
Return on Assets ? 2.12%
+23.6% YoY +2.7% QoQ
+0.79% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 10.9% in tier
Net Interest Margin ? 4.58%
+11.9% YoY +2.6% QoQ
+0.60% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 55.53%
-7.2% YoY -0.6% QoQ
-8.94% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 0.10%
+56.9% YoY -19.2% QoQ
-0.82% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 84.74%
-2.5% YoY -1.7% QoQ
+6.79% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 18.85%
+2.2% YoY -4.6% QoQ
-3.18% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.07%
+52.2% YoY -19.9% QoQ
-0.60% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
75%
Tier 1 Capital Ratio ? 15.98%
+8.0% YoY +1.4% QoQ
+0.07% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.14%
+6.6% YoY +88.1% QoQ
-0.42% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
33%

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 18.8%
+0.4pp YoY
-0.9pp QoQ
 -3.3pp 22.1% 21.9% 22.2% 39%
Brokered Deposits 6.5%
-5.4pp YoY
-0.2pp QoQ
 -1.4pp 7.9% 8.3% 8.5% 61%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 9.2%
+0.2pp YoY
-0.5pp QoQ
 -2.3pp 11.6% 14.6% 12.5% 48%
CRE 39.6%
-0.8pp YoY
-0.3pp QoQ
 +0.1pp 39.5% 36.5% 41.4% 52%
1-4 Family 47.2%
+1.0pp YoY
+0.6pp QoQ
 +14.6pp 32.6% 29.4% 31.3% 79%
Consumer 3.1%
-0.1pp YoY
+0.2pp QoQ
 -1.0pp 4.1% 4.5% 5.0% 61%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 16.0%
+1.2pp YoY
+0.2pp QoQ
 +3.8pp 12.2% 11.0% 12.6% 90%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 23
-1 (-4.2%) YoY
+3 (+15.0%) QoQ
 -36 58 55 482 15%
Assets per Employee ($) $5.8M
+5.0% YoY
-14.2% QoQ
 -$1.7M $7.5M $8.6M $8.8M 30%
Branch Count 2
0 YoY
0 QoQ
 -3 4 4 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 19%
Allowance Coverage 11.16x
-32.4% YoY
+26.5% QoQ
 -12.99x 24.15x 20.41x 20.23x 83%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 15.7%
+0.9pp YoY
+0.1pp QoQ
 +3.5pp 12.2% 13.1% 11.6% 71%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
+0.1pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 39%
Net Income ($, YTD) $1.4M
+23.4% YoY
— QoQ
 -$1.1M $2.6M $4.5M $40.4M 40%

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
#165 of 661 • Top 24.8% in tier

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

Why this signature
Return on Assets: 2.12%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#127 of 1256 • Bottom 10.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

289
Return on Assets
profitability
Value: 2.12%
Peer Median: 1.32%
#289 of 2643 Top 10.9% in $100M-$1B
467
Net Interest Margin
profitability
Value: 4.58%
Peer Median: 3.99%
#467 of 2643 Top 17.6% in $100M-$1B

Top Weaknesses (3 metrics)

2405
Total Assets
size
Value: $133.66M
Peer Median: $386.57M
#2405 of 2643 Bottom 9.0% in $100M-$1B
2396
Total Deposits
size
Value: $112.36M
Peer Median: $326.73M
#2396 of 2643 Bottom 9.4% in $100M-$1B
2195
Total Loans
size
Value: $95.22M
Peer Median: $258.35M
#2195 of 2643 Bottom 17.0% in $100M-$1B
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