First National Bank North
Walker, MN · Cert 5269 · Peer group: banks under $1B in assets in MN (n=111-113) · Walker Ban Co.
National charter · OCC · 10 branches
Q2 2026
$864.3MAssets
$645.9MLoans
$756.3MDeposits
$103.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 94% of banks under $1B in assets in MN (rank 7 of 113).
- Widest gap: net charge-offs / loans trails 66% of banks under $1B in assets in MN (rank 74 of 111).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.96%
Rank 7 of 113
Net Interest Margin
4.40%
Rank 20 of 113
Efficiency Ratio
48.72%
Rank 11 of 113
Equity / Assets
11.94%
Rank 29 of 113
Non-interest income vs. expense
Unfavorable gap of $14.7M · efficiency ratio beats 91% 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 | 1.96% | 0.87% | 1.20% | 1.41% | Beats 94% | 7 / 113 | | |
| Return on Equity | 16.42% | 8.92% | 11.27% | 13.99% | Beats 84% | 18 / 113 | | |
| Net Interest Margin | 4.40% | 3.42% | 3.88% | 4.31% | Beats 82% | 20 / 113 | | |
| Efficiency Ratio | 48.72% | 54.13% | 61.48% | 69.86% | Beats 91% | 11 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.58% | 1.82% | Beats 67% | 38 / 111 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 34% | 74 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 18.13% | 11.53% | 13.31% | 18.13% | Beats 74% | 29 / 113 | | |
| Total Risk-Based Capital Ratio | 19.39% | 12.12% | 14.43% | 19.39% | Beats 74% | 29 / 113 | | |
| Equity / Assets | 11.94% | 8.52% | 10.10% | 11.94% | Beats 74% | 29 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.40% | 62.08% | 77.32% | 88.06% | 68th pctl | 36 / 111 | | |
| Loans / Assets | 74.72% | 55.01% | 66.35% | 75.50% | 72nd pctl | 32 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |