First National Bank (MN)

Overview / Commentary
101 West Lake Street
Chisholm, MN 55719

First National Bank (MN) is headquartered in CHISHOLM and is the 196th largest bank in the state of Minnesota. It is also the 4,055th largest bank in the nation. It was established in 1905 and as of December of 2023, it had grown to 19 employees at 3 locations. First National Bank (MN)'s money market rates are 2X the national average, and it has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First National Bank (MN) has a relatively low asset base.

Health Grade Components

FDIC Certificate #5113
Year Established1905
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD7.04%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$80.9MM$89.7MM
LoansQ4 2023vs Q4 2022$41.4MM$48.6MM
DepositsQ4 2023vs Q4 2022$74.2MM$80.7MM
Equity CapitalQ4 2023vs Q4 2022$6.6MM$6.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$535K$540K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$504K$289K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank (MN) Savings Account Rates

0.30%--Regular Savings Account

First National Bank (MN) Money Market Rates

1.05%*$1k*-Money Market Account
OTHER TIERS: 0.30% Up to $1k

First National Bank (MN) Checking Account Rates

0.30%--Interest Checking

First National Bank (MN) CD Rates

4.06%$500-24 Month Share Certificate
2.52%$500-60 Month Share Certificate
2.11%$500-48 Month Share Certificate
2.02%$500-18 Month Share Certificate
1.81%$500-36 Month Share Certificate
1.51%$500-30 Month Share Certificate
1.25%$1k-12 Month Share Certificate
1.20%$2.5k-6 Month Share Certificate

First National Bank (MN) IRA Rates

4.06%$500-24 Month IRA Share Certificate
2.52%$500-60 Month IRA Share Certificate
2.11%$500-48 Month IRA Share Certificate
2.02%$500-18 Month IRA Share Certificate
1.81%$500-36 Month IRA Share Certificate
1.51%$500-30 Month IRA Share Certificate
1.25%$1k-12 Month IRA Share Certificate
1.20%$2.5k-6 Month IRA Share Certificate
0.25%$50-18 Month Variable Rate IRA Share Certificate

First National Bank (MN) Locations
First National Bank101 W Lake StChisholm, MN 55719
Cook Branch32 South River StreetCook, MN 55723
Chisholm Branch301 1st Street NWChisholm, MN 55719

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