The First National Bank of Osakis

Overview / Commentary
211-213 Central Avenue
Osakis, MN 56360

The First National Bank of Osakis is headquartered in Osakis and is the 196th largest bank in the state of Minnesota. It is also the 4,347th largest bank in the nation. It was established in 1903 and as of June of 2020, it had grown to 13 employees at 1 location. The First National Bank of Osakis' CD rates are 11% higher than the national average, and it has an A 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. The First National Bank of Osakis has a relatively low asset base.

Health Grade Components

FDIC Certificate #5221
Year Established1903
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD10.05%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$76.5MM$67.1MM
LoansQ2 2020vs Q2 2019$48.0MM$43.1MM
DepositsQ2 2020vs Q2 2019$62.8MM$56.4MM
Equity CapitalQ2 2020vs Q2 2019$9.2MM$9.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$66.00K$500.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$617.00K$518.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$352.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Osakis Savings Account Rates

1.00%*$100k*-Retirement Investment Account
OTHER TIERS: 0.50% $1 - $10k | 0.60% $10k - $25k | 0.80% $25k - $100k
0.45%*$25k*-Savings Accounts
OTHER TIERS: 0.20% $200 - $2.5k | 0.25% $2.5k - $10k | 0.35% $10k - $25k
0.40%*$10k*-Youth Savers Account / Money Beez
OTHER TIERS: 0.20% $1 - $2.5k | 0.30% $2.5k - $10k

The First National Bank of Osakis Money Market Rates

0.45%*$25k*-The Investor's Account
OTHER TIERS: 0.25% $1 - $10k | 0.35% $10k - $25k

The First National Bank of Osakis Checking Account Rates

0.10%--Interest Checking

The First National Bank of Osakis CD Rates

1.31%*$25k*-4 Year CD
OTHER TIERS: 1.21% $500 - $10k | 1.26% $10k - $25k
1.15%*$25k*-3 Year CD
OTHER TIERS: 1.05% $500 - $10k | 1.10% $10k - $25k
1.10%*$25k*-2 Year CD
OTHER TIERS: 1.00% $500 - $10k | 1.05% $10k - $25k
1.00%*$25k*-1 Year CD
OTHER TIERS: 0.80% $500 - $10k | 0.85% $10k - $25k
0.45%*$25k*-182 Day CD
OTHER TIERS: 0.30% $500 - $10k | 0.40% $10k - $25k
0.35%*$25k*-91 Day CD
OTHER TIERS: 0.20% $500 - $10k | 0.30% $10k - $25k

The First National Bank of Osakis Locations
The First National Bank Of Osakis211-213 Central AvenueOsakis, MN 56360

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