The First National Bank of Gilbert (FDIC certificate #5150) is based in Gilbert, Minnesota. Its Q2 2026 call report shows $86.0M in total assets and $76.0M in deposits and 2 offices.
The First National Bank of Gilbert has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 18% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 178th. Problem-loan coverage contributes the most (97/100, 1.6%); capital cushion contributes the least (21/100, 7.12%).
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 (59 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 61 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 60 |
| Q1 2026 | 58 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.17% |
| Q3 2024 | 7.20% |
| Q4 2024 | 7.04% |
| Q1 2025 | 7.10% |
| Q2 2025 | 7.09% |
| Q3 2025 | 7.17% |
| Q4 2025 | 7.04% |
| Q1 2026 | 7.02% |
| Q2 2026 | 7.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.61% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $86.0M | 7.12% | 0.16% | 0.66% | 91.2% |
| Q1 2026 | 58 | $87.4M | 7.02% | 0.19% | 0.44% | 87.7% |
| Q4 2025 | 60 | $85.2M | 7.04% | 0.00% | 0.61% | 92.4% |
| Q3 2025 | 60 | $82.5M | 7.17% | 0.00% | 0.58% | 93.8% |
| Q2 2025 | 59 | $82.0M | 7.09% | 0.13% | 0.53% | 91.2% |
| Q1 2025 | 60 | $82.2M | 7.10% | 0.04% | 0.55% | 89.2% |
| Q4 2024 | 60 | $82.8M | 7.04% | 0.00% | 0.46% | 87.2% |
| Q3 2024 | 61 | $81.2M | 7.20% | 0.00% | 0.59% | 91.8% |
| Q2 2024 | 59 | $78.5M | 7.17% | 0.00% | 0.49% | 96.4% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| The First State Bank of Red WingBank Red Wing, MN | 52 out of 100, Below average | $86.3M | 9.0% | 1.07% | vs |
| Bank of Maple PlainBank Maple Plain, MN | 72 out of 100, Strong | $85.5M | 14.1% | 1.80% | vs |
| First Security Bank - CanbyBank Canby, MN | 97 out of 100, Very strong | $85.2M | 14.1% | 0.08% | vs |
| Vantage BankBank Kent, MN | 68 out of 100, Moderate | $85.0M | 8.5% | 0.35% | vs |
| Lowry State BankBank Lowry, MN | 39 out of 100, Low | $84.1M | 9.6% | 3.18% | vs |
| Concorde BankBank Blomkest, MN | 48 out of 100, Below average | $88.3M | 10.1% | 2.73% | vs |
Deposit insurance
Is my money safe at The First National Bank of Gilbert?
Yes. The First National Bank of Gilbert is an FDIC-insured institution (FDIC certificate #5150). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.8% of deposits ($11.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.12%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.88% (benchmark: 10%).
2 locations
Branches
The First National Bank of Gilbert lists 2 offices in 2 cities. Most locations:
- Gilbert, MN (1)
- Hoyt Lakes, MN (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Gilbert reported 59 home-loan applications under HMDA (LEI 2549007GLTHLP3ZYS308): 58 originated ($14,280,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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 Gilbert
- Type
- National bank
- FDIC certificate #
- 5150
- RSSD ID
- 975452
- Primary regulator
- OCC
- Holding company
- Broadway Bancshares Inc
- Established
- October 26, 1908
- Headquarters
- 2 N Broadway Ave, Gilbert, MN 55741
- Website
- www.gilbertbank.com
- Employees
- 16
Quick answers
The First National Bank of Gilbert: common questions
Is The First National Bank of Gilbert FDIC insured?
Yes. The First National Bank of Gilbert is an FDIC-insured institution (FDIC certificate #5150). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Gilbert's TellerScore?
59 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 Gilbert ever failed?
There is no failure record for FDIC certificate #5150 in the FDIC failed bank list.
How many branches does The First National Bank of Gilbert have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gilbert
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Embarrass Vermillion Federal Credit UnionCredit union Aurora, MN | 80 out of 100, Strong | $66.7M | 14.2% | 0.95% | vs |
| Virginia Coop Credit UnionCredit union Virginia, MN | 78 out of 100, Strong | $45.7M | 11.6% | 0.86% | vs |
| Northern State BankBank Ashland, WI | 78 out of 100, Strong | $330.8M | 9.9% | 0.22% | vs |
| Northern State Bank of VirginiaBank Virginia, MN | 75 out of 100, Strong | $102.0M | 10.2% | 0.00% | vs |
| The Miners National Bank of EvelethBank Eveleth, MN | 74 out of 100, Strong | $96.6M | 10.1% | 0.00% | vs |
| North Star Credit UnionCredit union Cook, MN | 72 out of 100, Strong | $116.0M | 9.4% | 0.00% | vs |