The First National Bank of Moose Lake (FDIC certificate #5214) is based in Moose Lake, Minnesota. Its Q2 2026 call report shows $133.7M in total assets and $112.4M in deposits and 2 offices.
Based on its Q2 2026 filing, The First National Bank of Moose Lake scores 94/100, which we describe as very strong. That is higher than 98% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 6th. Its strongest component is capital cushion (100/100; 15.98%), and its lowest is funding & liquidity (64/100; 85% loans-to-deposits, 25% uninsured).
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 4 points (90 → 94), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 86 |
| Q4 2024 | 85 |
| Q1 2025 | 88 |
| Q2 2025 | 90 |
| Q3 2025 | 91 |
| Q4 2025 | 92 |
| Q1 2026 | 93 |
| Q2 2026 | 94 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.40% |
| Q3 2024 | 14.44% |
| Q4 2024 | 14.07% |
| Q1 2025 | 14.33% |
| Q2 2025 | 14.80% |
| Q3 2025 | 14.95% |
| Q4 2025 | 14.95% |
| Q1 2026 | 15.76% |
| Q2 2026 | 15.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.57% |
| Q2 2025 | 1.71% |
| Q3 2025 | 1.77% |
| Q4 2025 | 1.83% |
| Q1 2026 | 2.06% |
| Q2 2026 | 2.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $133.7M | 15.98% | 0.10% | 2.12% | 84.7% |
| Q1 2026 | 93 | $135.5M | 15.76% | 0.13% | 2.06% | 86.2% |
| Q4 2025 | 92 | $138.8M | 14.95% | 0.06% | 1.83% | 83.0% |
| Q3 2025 | 91 | $137.5M | 14.95% | 0.06% | 1.77% | 86.8% |
| Q2 2025 | 90 | $132.9M | 14.80% | 0.06% | 1.71% | 86.9% |
| Q1 2025 | 88 | $136.9M | 14.33% | 0.07% | 1.57% | 83.3% |
| Q4 2024 | 85 | $138.7M | 14.07% | 0.07% | 1.28% | 82.6% |
| Q3 2024 | 86 | $136.0M | 14.44% | 0.08% | 1.25% | 80.7% |
| Q2 2024 | 86 | $129.6M | 14.40% | 0.09% | 1.22% | 81.5% |
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 |
|---|---|---|---|---|---|
| St. Clair State Bank (Incorporated)Bank Saint Clair, MN | 85 out of 100, Very strong | $134.4M | 11.1% | 0.03% | vs |
| Worthington Federal Savings Bank, FSBBank Worthington, MN | 80 out of 100, Strong | $135.4M | 14.8% | 0.65% | vs |
| Western National BankBank Duluth, MN | 55 out of 100, Moderate | $135.8M | 8.5% | 0.00% | vs |
| Minnesota Lakes BankBank Delano, MN | 53 out of 100, Below average | $129.8M | 10.7% | 3.18% | vs |
| The First National Bank of BagleyBank Bagley, MN | 60 out of 100, Moderate | $129.2M | 7.9% | 1.02% | vs |
| The First National Bank of CokatoBank Cokato, MN | 68 out of 100, Moderate | $138.2M | 8.5% | 0.25% | vs |
Deposit insurance
Is my money safe at The First National Bank of Moose Lake?
Yes. The First National Bank of Moose Lake is an FDIC-insured institution (FDIC certificate #5214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.3% of deposits ($28.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The First National Bank of Moose Lake lists 2 offices in 1 city. Most locations:
- Moose Lake, MN (2)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Moose Lake reported 74 home-loan applications under HMDA (LEI 549300MX8VQ8VRHIUY36): 47 originated ($13,725,000 total), 12 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.1%, 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 Moose Lake
- Type
- National bank
- FDIC certificate #
- 5214
- RSSD ID
- 706058
- Primary regulator
- OCC
- Holding company
- First Nb Moose Lake Profit Sharing&esop
- Established
- June 21, 1926
- Headquarters
- 400 Elm Ave, Moose Lake, MN 55767
- Website
- www.firstmooselake.com
- Employees
- 23
Quick answers
The First National Bank of Moose Lake: common questions
Is The First National Bank of Moose Lake FDIC insured?
Yes. The First National Bank of Moose Lake is an FDIC-insured institution (FDIC certificate #5214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Moose Lake's TellerScore?
94 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 The First National Bank of Moose Lake ever failed?
There is no failure record for FDIC certificate #5214 in the FDIC failed bank list.
How many branches does The First National Bank of Moose Lake have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Moose Lake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northview BankBank Sandstone, MN | 74 out of 100, Strong | $469.7M | 10.8% | 0.46% | vs |
| Cornerstone State BankBank Montgomery, MN | 74 out of 100, Strong | $247.0M | 10.6% | 0.80% | vs |
| Frandsen Bank & TrustBank Lonsdale, MN | 71 out of 100, Strong | $3.7B | 10.0% | 0.71% | vs |
| Northwoods Credit UnionCredit union Cloquet, MN | 71 out of 100, Strong | $175.2M | 9.9% | 0.49% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| Woodlands National BankBank Hinckley, MN | 62 out of 100, Moderate | $331.0M | 11.2% | 1.42% | vs |