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First National Bank North
Walker, MN · FDIC Certificate #5269 · Chartered 12/0
Total assets
$864.31M
Total deposits
$756.28M
Total equity
$103.17M
Net loans
$635.91M
Branches (offices)
10
Net income (YTD)
$10.79M
Rank: #1,178 of 4,213 U.S. banks by assets · #26 of 221 in Minnesota. Assets changed 8.1% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.54% |
| Return on equity | 21.57% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 11.94% |
| Tier 1 leverage ratio | 12.14% |
| Uninsured deposits (share of deposits) | 17.1% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 84.1% |
| Real estate loans (share of loans) | 84.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $535.20M | 84.2% | |
| Commercial & industrial | $50.60M | 8.0% | |
| Consumer / individual | $57.99M | 9.1% | |
| Construction & development | $63.45M | 10.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $768.31M | $699.49M | $6.02M | $65.28M |
| Jun 2023 | $754.16M | $654.65M | $7.85M | $71.47M |
| Jun 2024 | $740.25M | $651.40M | $8.35M | $81.92M |
| Jun 2025 | $799.76M | $701.30M | $9.52M | $94.18M |
| Jun 2026 | $864.31M | $756.28M | $10.79M | $103.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $756.28M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $756.28M.
Similar-sized banks
Legacy Bank ($864.97M) · Bank Of San Francisco ($863.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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