Headquartered in Walker, Minnesota, First National Bank North is a national bank with $864.3M in total assets and $756.3M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1902.
Based on its Q2 2026 filing, First National Bank North scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 19th. Its strongest component is earnings (100/100; 2.54%), and its lowest is capital cushion (71/100; 12.14%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 85).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 86 |
| Q4 2024 | 85 |
| Q1 2025 | 86 |
| Q2 2025 | 86 |
| Q3 2025 | 87 |
| Q4 2025 | 85 |
| Q1 2026 | 85 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.47% |
| Q3 2024 | 11.46% |
| Q4 2024 | 11.11% |
| Q1 2025 | 11.90% |
| Q2 2025 | 12.03% |
| Q3 2025 | 11.87% |
| Q4 2025 | 11.36% |
| Q1 2026 | 11.98% |
| Q2 2026 | 12.14% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.23% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.21% |
| Q3 2024 | 2.29% |
| Q4 2024 | 2.33% |
| Q1 2025 | 2.32% |
| Q2 2025 | 2.42% |
| Q3 2025 | 2.49% |
| Q4 2025 | 2.50% |
| Q1 2026 | 2.51% |
| Q2 2026 | 2.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $864.3M | 12.14% | 0.23% | 2.54% | 84.1% |
| Q1 2026 | 85 | $840.1M | 11.98% | 0.20% | 2.51% | 83.5% |
| Q4 2025 | 85 | $845.5M | 11.36% | 0.11% | 2.50% | 81.4% |
| Q3 2025 | 87 | $826.5M | 11.87% | 0.10% | 2.49% | 81.7% |
| Q2 2025 | 86 | $799.8M | 12.03% | 0.12% | 2.42% | 82.1% |
| Q1 2025 | 86 | $776.3M | 11.90% | 0.08% | 2.32% | 82.9% |
| Q4 2024 | 85 | $787.3M | 11.11% | 0.07% | 2.33% | 78.5% |
| Q3 2024 | 86 | $787.3M | 11.46% | 0.07% | 2.29% | 78.6% |
| Q2 2024 | 85 | $740.2M | 11.47% | 0.08% | 2.21% | 83.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Falcon National BankBank Foley, MN | 62 out of 100, Moderate | $872.3M | 10.2% | 1.04% | vs |
| Pioneer BankBank Mapleton, MN | 71 out of 100, Strong | $883.8M | 10.2% | 0.58% | vs |
| Northeast BankBank Minneapolis, MN | 74 out of 100, Strong | $837.3M | 10.1% | 0.20% | vs |
| 21st Century BankBank Loretto, MN | 70 out of 100, Strong | $894.8M | 10.7% | 0.19% | vs |
| VersaBank USA National AssociationBank Holdingford, MN | 89 out of 100, Very strong | $911.9M | 22.5% | 0.10% | vs |
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
Deposit insurance
Is my money safe at First National Bank North?
Yes. First National Bank North is an FDIC-insured institution (FDIC certificate #5269). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.1% of deposits ($129.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.39% (benchmark: 10%).
10 locations
Branches
First National Bank North lists 10 offices in 10 cities. Most locations:
- Akeley, MN (1)
- Backus, MN (1)
- Baxter, MN (1)
- Crosslake, MN (1)
- Hackensack, MN (1)
- Longville, MN (1)
- Nisswa, MN (1)
- Pequot Lakes, MN (1)
- Remer, MN (1)
- Walker, MN (1)
Identity & history
Profile
- Legal name
- First National Bank North
- Former names
- The First National Bank of Walker
- Type
- National bank
- FDIC certificate #
- 5269
- RSSD ID
- 805755
- Primary regulator
- OCC
- Holding company
- Walker Ban Co
- Established
- December 1, 1902
- Headquarters
- 600 Minnesota Ave W, Walker, MN 56484
- Website
- www.fnbnorth.com
- Employees
- 123
Quick answers
First National Bank North: common questions
Is First National Bank North FDIC insured?
Yes. First National Bank North is an FDIC-insured institution (FDIC certificate #5269). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank North's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First National Bank North ever failed?
There is no failure record for FDIC certificate #5269 in the FDIC failed bank list.
How many branches does First National Bank North have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Walker
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northwoods Bank of MinnesotaBank Park Rapids, MN | 80 out of 100, Strong | $140.6M | 11.2% | 0.03% | vs |
| Western National BankBank Cass Lake, MN | 72 out of 100, Strong | $37.1M | 9.1% | 0.00% | vs |
| Bank ForwardBank Fargo, ND | 70 out of 100, Strong | $1.1B | 10.2% | 0.67% | vs |
| American National Bank of MinnesotaBank Baxter, MN | 65 out of 100, Moderate | $473.2M | 10.8% | 1.00% | vs |