TellerScore

The First National Bank of Bagley (FDIC certificate #5087) is based in Bagley, Minnesota. Its Q2 2026 call report shows $129.2M in total assets and $119.7M in deposits and 2 offices.

Based on its Q2 2026 filing, The First National Bank of Bagley scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 173rd. Its strongest component is funding & liquidity (86/100; 72% loans-to-deposits, 17% uninsured), and its lowest is capital cushion (29/100; 7.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion29/100
Tier 1 leverage ratio: 7.85%
Loan quality66/100
Noncurrent loans ÷ total loans: 1.02%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 71.6% · 17.2% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.67%

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

From Q2 2025 to Q2 2026, the score fell 2 points (62 → 60), mostly because the loan quality component weakened by 12 points.

TellerScore
606468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202466
Q1 202568
Q2 202562
Q3 202564
Q4 202563
Q1 202668
Q2 202660
Tier 1 leverage ratio
5.00%6.69%8.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.21%
Q3 20248.39%
Q4 20247.71%
Q1 20258.03%
Q2 20257.93%
Q3 20258.02%
Q4 20257.48%
Q1 20267.87%
Q2 20267.85%
Noncurrent loans
0.09%0.55%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.71%
Q3 20240.77%
Q4 20240.09%
Q1 20250.09%
Q2 20250.67%
Q3 20250.46%
Q4 20250.43%
Q1 20260.21%
Q2 20261.02%
Return on assets
0.69%0.95%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.72%
Q4 20240.78%
Q1 20250.88%
Q2 20250.98%
Q3 20250.95%
Q4 20251.00%
Q1 20261.16%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$129.2M7.85%1.02%1.20%71.6%
Q1 202668$125.6M7.87%0.21%1.16%70.7%
Q4 202563$128.0M7.48%0.43%1.00%68.4%
Q3 202564$126.2M8.02%0.46%0.95%68.9%
Q2 202562$120.0M7.93%0.67%0.98%70.7%
Q1 202568$118.7M8.03%0.09%0.88%68.1%
Q4 202466$119.2M7.71%0.09%0.78%65.6%
Q3 202461$115.6M8.39%0.77%0.72%67.8%
Q2 202461$110.9M8.21%0.71%0.69%69.3%

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).

Capital ratio7.85%
2nd
Total risk-based capital13.37%
59th
Problem loans1.02%
27th
Net charge-offs0.22%
11th
Return on assets1.20%
47th
Net interest margin3.97%
52nd
Efficiency ratio65.5%
41st
Loans to deposits71.6%
67th
Uninsured deposits17.2%
74th
Loan-loss reserves1.05%
32nd
Texas ratio10.7%
17th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Minnesota Lakes BankBank Delano, MN53 out of 100, Below average$129.8M10.7%3.18%vs
Community First BankBank Menahga, MN90 out of 100, Very strong$126.5M12.8%0.28%vs
The First National Bank of Moose LakeBank Moose Lake, MN94 out of 100, Very strong$133.7M16.0%0.10%vs
State Bank of New RichlandBank New Richland, MN73 out of 100, Strong$124.2M10.0%0.29%vs
St. Clair State Bank (Incorporated)Bank Saint Clair, MN85 out of 100, Very strong$134.4M11.1%0.03%vs
Worthington Federal Savings Bank, FSBBank Worthington, MN80 out of 100, Strong$135.4M14.8%0.65%vs

Deposit insurance

Is my money safe at The First National Bank of Bagley?

Yes. The First National Bank of Bagley is an FDIC-insured institution (FDIC certificate #5087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.2% of deposits ($20.6M) 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 7.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.37% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The First National Bank of Bagley lists 2 offices in 2 cities. Most locations:

  • Bagley, MN (1)
  • Fosston, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Bagley reported 64 home-loan applications under HMDA (LEI 549300OTZJELCR34CD18): 59 originated ($9,685,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of Bagley
Type
National bank
FDIC certificate #
5087
RSSD ID
392255
Primary regulator
OCC
Holding company
First Natl Agency Bagley Inc
Established
June 2, 1903
Headquarters
31 Central St E, Bagley, MN 56621
Employees
27

Quick answers

The First National Bank of Bagley: common questions

Is The First National Bank of Bagley FDIC insured?

Yes. The First National Bank of Bagley is an FDIC-insured institution (FDIC certificate #5087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Bagley's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Bagley ever failed?

There is no failure record for FDIC certificate #5087 in the FDIC failed bank list.

How many branches does The First National Bank of Bagley have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bagley

InstitutionScoreAssetsCapitalProblem loansCompare
The Northern State Bank of GonvickBank Gonvick, MN86 out of 100, Very strong$50.6M15.7%1.00%vs
Ultima Bank MinnesotaBank Winger, MN72 out of 100, Strong$333.9M10.8%0.62%vs
National Bank of CommerceBank Superior, WI70 out of 100, Strong$2.2B9.3%0.64%vs
American Federal BankBank Fargo, ND66 out of 100, Moderate$795.8M9.3%0.00%vs
Border BankBank Fargo, ND57 out of 100, Moderate$1.1B9.1%1.07%vs