First National Bank
Bagley, MN · Cert 5087 · Peer group: banks under $1B in assets in MN (n=111-113) · First Natl Agency Bagley Inc.
National charter · OCC · 2 branches
Q2 2026
$129.2MAssets
$86.6MLoans
$119.7MDeposits
$8.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 70% of banks under $1B in assets in MN (rank 34 of 113).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in MN (rank 107 of 113).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.93%
Rank 78 of 113
Net Interest Margin
3.56%
Rank 79 of 113
Efficiency Ratio
65.53%
Rank 73 of 113
Equity / Assets
6.93%
Rank 107 of 113
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 36% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.87% | 1.20% | 1.41% | Beats 31% | 78 / 113 | | |
| Return on Equity | 13.47% | 8.92% | 11.27% | 13.99% | Beats 70% | 34 / 113 | | |
| Net Interest Margin | 3.56% | 3.42% | 3.88% | 4.31% | Beats 30% | 79 / 113 | | |
| Efficiency Ratio | 65.53% | 54.13% | 61.48% | 69.86% | Beats 36% | 73 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.09% | 0.58% | 1.82% | Beats 37% | 71 / 111 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.00% | 0.04% | Beats 15% | 95 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.53% | 13.31% | 18.13% | Beats 41% | 67 / 113 | | |
| Total Risk-Based Capital Ratio | 13.37% | 12.12% | 14.43% | 19.39% | Beats 42% | 65 / 113 | | |
| Equity / Assets | 6.93% | 8.52% | 10.10% | 11.94% | Beats 5% | 107 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.37% | 62.08% | 77.32% | 88.06% | 41st pctl | 66 / 111 | | |
| Loans / Assets | 67.06% | 55.01% | 66.35% | 75.50% | 51st pctl | 55 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |