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First National Bank Minnesota

$100M-$1B Specialty: Commercial MN FDIC cert 5247

Saint Peter, MN

4 branches across MN

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

First National Bank Minnesota has 3 strengths but faces 2 concerns

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 0.12% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Efficiency Ratio 1.98% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 48.8% in tier
  • - Delinquency Rate 0.45% above tier average
Get updates when First National Bank Minnesota releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $434.0M
-1.1% YoY -3.8% QoQ
+$47.9M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
66%
Total Loans ? $326.4M
+1.2% YoY -2.3% QoQ
+$70.7M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
71%
Total Deposits ? $370.4M
-2.3% YoY -4.1% QoQ
+$42.5M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
66%
Return on Assets ? 1.39%
+707.1% YoY +71.9% QoQ
+0.12% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
61%
Net Interest Margin ? 4.05%
+8.5% YoY +4.9% QoQ
+0.12% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
60%
Efficiency Ratio ? 63.31%
+2.2% YoY -0.4% QoQ
-1.98% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
50%
Delinquency Rate ? 1.33%
-15.2% YoY -3.4% QoQ
+0.45% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
22%
Loan-to-Deposit Ratio ? 88.13%
+3.5% YoY +1.9% QoQ
+11.49% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
28%
Non-Interest-Bearing Deposit Share ? 20.99%
+0.8% YoY -6.4% QoQ
-1.03% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
50%
Nonperforming Asset Ratio ? 1.18%
-1.1% YoY -5.0% QoQ
+0.54% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
16%
Tier 1 Capital Ratio ? 13.01%
+11.7% YoY +5.0% QoQ
-2.82% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.14%
+8.4% YoY -72.1% QoQ
-0.14% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
70%

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)

Flatlined Growth

risk
#251 of 512 • Bottom 48.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.39%
(Tier: 1.27%, National: 1.23%)
better than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank declining

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 (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2238
Nonperforming Asset Ratio
credit_quality
Value: 1.18%
Peer Median: 0.64%
#2238 of 2664 Bottom 16.0% in $100M-$1B
2082
Delinquency Rate
credit_quality
Value: 1.33%
Peer Median: 0.89%
#2082 of 2654 Bottom 21.6% in $100M-$1B
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