The First National Bank of Osakis (FDIC certificate #5221) is based in Osakis, Minnesota. Its Q2 2026 call report shows $97.6M in total assets and $80.9M in deposits and 1 office.
Based on its Q2 2026 filing, The First National Bank of Osakis scores 61/100, which we describe as moderate. That is higher than only 19% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 172nd. Its strongest component is problem-loan coverage (89/100; 5.6%), and its lowest is capital cushion (37/100; 8.67%).
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 (62 → 61).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 56 |
| Q4 2024 | 59 |
| Q1 2025 | 60 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 65 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.40% |
| Q3 2024 | 8.64% |
| Q4 2024 | 8.63% |
| Q1 2025 | 8.64% |
| Q2 2025 | 8.61% |
| Q3 2025 | 8.68% |
| Q4 2025 | 8.79% |
| Q1 2026 | 8.96% |
| Q2 2026 | 8.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.67% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.95% |
| Q2 2025 | 0.92% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $97.6M | 8.67% | 0.67% | 1.12% | 100.4% |
| Q1 2026 | 65 | $96.6M | 8.96% | 0.41% | 1.12% | 100.0% |
| Q4 2025 | 63 | $95.1M | 8.79% | 0.60% | 1.14% | 99.0% |
| Q3 2025 | 63 | $94.8M | 8.68% | 0.43% | 1.03% | 99.9% |
| Q2 2025 | 62 | $94.7M | 8.61% | 0.43% | 0.92% | 100.5% |
| Q1 2025 | 60 | $93.8M | 8.64% | 0.67% | 0.95% | 98.0% |
| Q4 2024 | 59 | $93.3M | 8.63% | 0.63% | 0.66% | 94.6% |
| Q3 2024 | 56 | $93.0M | 8.64% | 0.88% | 0.66% | 96.7% |
| Q2 2024 | 62 | $91.5M | 8.40% | 0.06% | 0.47% | 99.1% |
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 Miners National Bank of EvelethBank Eveleth, MN | 74 out of 100, Strong | $96.6M | 10.1% | 0.00% | vs |
| First Farmers & Merchants State BankBank Brownsdale, MN | 67 out of 100, Moderate | $96.4M | 11.5% | 1.31% | vs |
| Janesville State BankBank Janesville, MN | 81 out of 100, Strong | $98.8M | 11.4% | 0.00% | vs |
| Currie State BankBank Currie, MN | 66 out of 100, Moderate | $100.0M | 10.7% | 0.96% | vs |
| Integrity Bank PlusBank Wabasso, MN | 63 out of 100, Moderate | $93.4M | 11.5% | 2.27% | vs |
| Triumph State BankBank Trimont, MN | 57 out of 100, Moderate | $93.3M | 12.9% | 5.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Osakis?
Yes. The First National Bank of Osakis is an FDIC-insured institution (FDIC certificate #5221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.4% of deposits ($12.4M) 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 8.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.74% (benchmark: 10%).
1 location
Branches
The First National Bank of Osakis lists 1 office in 1 city. Most locations:
- Osakis, MN (1)
Identity & history
Profile
- Legal name
- The First National Bank of Osakis
- Type
- National bank
- FDIC certificate #
- 5221
- RSSD ID
- 726458
- Primary regulator
- OCC
- Holding company
- Financial Services Lowry Inc
- Established
- June 8, 1903
- Headquarters
- 211 Central Avenue, Osakis, MN 56360
- Website
- www.fnbosakis.com
- Employees
- 11
Quick answers
The First National Bank of Osakis: common questions
Is The First National Bank of Osakis FDIC insured?
Yes. The First National Bank of Osakis is an FDIC-insured institution (FDIC certificate #5221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Osakis's TellerScore?
61 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 Osakis ever failed?
There is no failure record for FDIC certificate #5221 in the FDIC failed bank list.
How many branches does The First National Bank of Osakis have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Osakis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eagle BankBank Glenwood, MN | 89 out of 100, Very strong | $226.9M | 14.3% | 0.58% | vs |
| American Heritage National BankBank Long Prairie, MN | 80 out of 100, Strong | $604.7M | 11.9% | 0.00% | vs |
| Pine Country BankBank Little Falls, MN | 78 out of 100, Strong | $380.3M | 10.2% | 0.06% | vs |
| Mid-Central National BankBank Wadena, MN | 77 out of 100, Strong | $117.1M | 14.9% | 0.76% | vs |
| Freeport State BankBank Freeport, MN | 77 out of 100, Strong | $165.5M | 10.7% | 0.00% | vs |
| Midwest BankBank Detroit Lakes, MN | 74 out of 100, Strong | $984.5M | 9.8% | 0.05% | vs |