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106 St Hwy 78 N
Ottertail, MN 56571

First National Bank of Henning is headquartered in Ottertail and is the 167th largest bank in the state of Minnesota. It is also the 4,664th largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 22 employees at 2 locations. First National Bank of Henning has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First National Bank of Henning had $1.45 million in non-current loans and owned real-estate with $13.22 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Henning a Texas Ratio of 10.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First National Bank of Henning experienced no significant changes from 6.52% as of March 31, 2013 to 10.97% as of March 31, 2014, resulting in a negative change of 68.32%. This indicates that the balance sheet and financial strength for First National Bank of Henning has had no significant changes in recent periods.

Deposit Growth


In the past year, First National Bank of Henning has increased its total deposits by $582,000, resulting in 0.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of Henning has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of Henning has $102.83 million in assets with $13.22 million in equity, resulting in a capitalization level of 12.86%, which is excellent.

Institution Statistics

FDIC Certificate #5162
Year Established1903
Primary RegulatorOCC
Assets and Liabilities
Assets$102.83 million
Loans$65.28 million
Deposits$89.32 million
Equity Capital$12.32 million
Loan Loss Allowance$900,000
Unbacked Noncurrent Loans$865,000
Real Estate Owned$586,000
Historic Data - March 2013
Assets$101.57 million
Equity Capital$12.53 million
Loan Loss Allowance$826,000
Unbacked Noncurrent Loans$865,000
Real Estate Owned$793,000
Profit Margin - Quarterly
Net Interest Margin3.98%
Return on Assets1.88%
Return on Equity16.22%
Interest Income$1.12 million
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First National Bank of Henning Checking Account Rates

2.00%-$10kReward Checking - Qualifying
0.10%--Reward Checking - Non Qualifying

First National Bank of Henning Locations
The First National Bank Of Henning106 St Hwy 78 NOttertail, MN 56571
Henning Branch512 Douglas AvenueHenning, MN 56551