First National Bank of Osakis, The
Osakis, MN · Cert 5221 · Peer group: banks under $1B in assets in MN (n=111-113) · Financial Services Lowry Inc.
National charter · OCC · 1 affiliate bank · 1 branch (2 in holding)
Q2 2026
$97.6MAssets
$82.0MLoans
$80.9MDeposits
$9.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: tier 1 capital ratio trails 86% of banks under $1B in assets in MN (rank 97 of 113).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.87%
Rank 85 of 113
Net Interest Margin
3.70%
Rank 73 of 113
Efficiency Ratio
70.82%
Rank 89 of 113
Equity / Assets
9.25%
Rank 74 of 113
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 22% 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 | 0.87% | 0.87% | 1.20% | 1.41% | Beats 25% | 85 / 113 | | |
| Return on Equity | 9.41% | 8.92% | 11.27% | 13.99% | Beats 29% | 80 / 113 | | |
| Net Interest Margin | 3.70% | 3.42% | 3.88% | 4.31% | Beats 35% | 73 / 113 | | |
| Efficiency Ratio | 70.82% | 54.13% | 61.48% | 69.86% | Beats 22% | 89 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.58% | 1.82% | Beats 47% | 60 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 10.77% | 11.53% | 13.31% | 18.13% | Beats 14% | 97 / 113 | | |
| Total Risk-Based Capital Ratio | 11.74% | 12.12% | 14.43% | 19.39% | Beats 22% | 88 / 113 | | |
| Equity / Assets | 9.25% | 8.52% | 10.10% | 11.94% | Beats 35% | 74 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.29% | 62.08% | 77.32% | 88.06% | 91st pctl | 10 / 111 | | |
| Loans / Assets | 84.05% | 55.01% | 66.35% | 75.50% | 89th pctl | 12 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |