The First National Bank of Cokato is a national bank headquartered in Cokato, Minnesota, in business for about 110 years. At the end of Q2 2026 it reported $138.2M in total assets and $128.1M in deposits, with 1 office.
Based on its Q2 2026 filing, The First National Bank of Cokato scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 125th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is capital cushion (35/100; 8.54%).
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
From Q2 2025 to Q2 2026, the score rose 7 points (61 → 68), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 49 |
| Q4 2024 | 51 |
| Q1 2025 | 53 |
| Q2 2025 | 61 |
| Q3 2025 | 65 |
| Q4 2025 | 67 |
| Q1 2026 | 68 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.64% |
| Q3 2024 | 7.74% |
| Q4 2024 | 7.86% |
| Q1 2025 | 7.68% |
| Q2 2025 | 7.72% |
| Q3 2025 | 8.62% |
| Q4 2025 | 8.77% |
| Q1 2026 | 8.75% |
| Q2 2026 | 8.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.31% |
| Q1 2025 | 1.22% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.25% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.16% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $138.2M | 8.54% | 0.25% | 1.50% | 72.6% |
| Q1 2026 | 68 | $128.0M | 8.75% | 0.30% | 1.35% | 77.6% |
| Q4 2025 | 67 | $125.4M | 8.77% | 0.33% | 1.28% | 80.2% |
| Q3 2025 | 65 | $124.3M | 8.62% | 0.44% | 1.27% | 78.8% |
| Q2 2025 | 61 | $131.1M | 7.72% | 0.45% | 1.16% | 72.4% |
| Q1 2025 | 53 | $136.2M | 7.68% | 1.22% | 1.01% | 68.5% |
| Q4 2024 | 51 | $125.7M | 7.86% | 1.31% | 0.93% | 78.7% |
| Q3 2024 | 49 | $128.7M | 7.74% | 1.46% | 0.91% | 81.9% |
| Q2 2024 | 51 | $124.1M | 7.64% | 1.17% | 0.83% | 80.0% |
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 |
|---|---|---|---|---|---|
| Security State Bank of WarroadBank Warroad, MN | 62 out of 100, Moderate | $138.3M | 16.4% | 4.17% | vs |
| Farmers and Merchants State Bank of SpringfieldBank Springfield, MN | 42 out of 100, Below average | $139.8M | 8.7% | 4.48% | vs |
| First Farmers & Merchants National BankBank Fairmont, MN | 68 out of 100, Moderate | $140.4M | 10.6% | 0.06% | vs |
| Western National BankBank Duluth, MN | 55 out of 100, Moderate | $135.8M | 8.5% | 0.00% | vs |
| Northwoods Bank of MinnesotaBank Park Rapids, MN | 80 out of 100, Strong | $140.6M | 11.2% | 0.03% | vs |
| Worthington Federal Savings Bank, FSBBank Worthington, MN | 80 out of 100, Strong | $135.4M | 14.8% | 0.65% | vs |
Deposit insurance
Is my money safe at The First National Bank of Cokato?
Yes. The First National Bank of Cokato is an FDIC-insured institution (FDIC certificate #5115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.0% of deposits ($48.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.54%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.59% (benchmark: 10%).
1 location
Branches
The First National Bank of Cokato lists 1 office in 1 city. Most locations:
- Cokato, MN (1)
Identity & history
Profile
- Legal name
- The First National Bank of Cokato
- Type
- National bank
- FDIC certificate #
- 5115
- RSSD ID
- 280558
- Primary regulator
- OCC
- Holding company
- Knoff Bancshares Inc
- Established
- November 2, 1916
- Headquarters
- 365 Broadway Ave S, Cokato, MN 55321
- Website
- www.fnbcokato.com
- Employees
- 12
Quick answers
The First National Bank of Cokato: common questions
Is The First National Bank of Cokato FDIC insured?
Yes. The First National Bank of Cokato is an FDIC-insured institution (FDIC certificate #5115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Cokato's TellerScore?
68 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 Cokato ever failed?
There is no failure record for FDIC certificate #5115 in the FDIC failed bank list.
How many branches does The First National Bank of Cokato have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cokato
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lake Central BankBank Annandale, MN | 86 out of 100, Very strong | $291.3M | 11.2% | 0.04% | vs |
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Home State BankBank Litchfield, MN | 83 out of 100, Strong | $218.9M | 11.8% | 0.08% | vs |
| Center National BankBank Litchfield, MN | 80 out of 100, Strong | $242.6M | 11.1% | 0.00% | vs |
| Sherburne BankBank Becker, MN | 78 out of 100, Strong | $351.1M | 9.5% | 0.02% | vs |
| Premier Bank MinnesotaBank Hastings, MN | 77 out of 100, Strong | $691.5M | 10.0% | 0.04% | vs |