The First National Bank of Proctor (FDIC certificate #5232) is based in Proctor, Minnesota. Its Q2 2026 call report shows $34.0M in total assets and $31.1M in deposits and 1 office.
Based on its Q2 2026 filing, The First National Bank of Proctor scores 69/100, which we describe as moderate. That is higher than only 37% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 118th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (35/100; 8.47%).
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 2 points (67 → 69), mostly because the capital cushion component improved by 3 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.72% |
| Q3 2024 | 8.54% |
| Q4 2024 | 8.58% |
| Q1 2025 | 8.48% |
| Q2 2025 | 8.24% |
| Q3 2025 | 8.24% |
| Q4 2025 | 8.28% |
| Q1 2026 | 8.49% |
| Q2 2026 | 8.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $34.0M | 8.47% | 0.00% | 0.57% | 44.4% |
| Q1 2026 | 69 | $34.5M | 8.49% | 0.04% | 0.59% | 42.9% |
| Q4 2025 | 67 | $34.5M | 8.28% | 0.04% | 0.45% | 43.6% |
| Q3 2025 | 68 | $34.5M | 8.24% | 0.05% | 0.60% | 44.9% |
| Q2 2025 | 67 | $33.9M | 8.24% | 0.05% | 0.51% | 46.6% |
| Q1 2025 | 68 | $33.3M | 8.48% | 0.06% | 0.56% | 48.4% |
| Q4 2024 | 66 | $32.1M | 8.58% | 0.07% | 0.27% | 50.6% |
| Q3 2024 | 66 | $31.1M | 8.54% | 0.07% | 0.23% | 53.8% |
| Q2 2024 | 65 | $30.5M | 8.72% | 0.08% | 0.10% | 54.0% |
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 National Bank of FairfaxBank Fairfax, MN | 67 out of 100, Moderate | $35.6M | 38.5% | 8.68% | vs |
| Lake Country Community BankBank Morristown, MN | 74 out of 100, Strong | $31.5M | 11.9% | 0.00% | vs |
| Farmers State Bank of HoffmanBank Hoffman, MN | 67 out of 100, Moderate | $36.9M | 12.6% | 2.10% | vs |
| State Bank of JeffersBank Jeffers, MN | 97 out of 100, Very strong | $37.1M | 14.1% | 0.00% | vs |
| Western National BankBank Cass Lake, MN | 72 out of 100, Strong | $37.1M | 9.1% | 0.00% | vs |
| The First National Bank at St. JamesBank Saint James, MN | 68 out of 100, Moderate | $37.9M | 8.7% | 0.27% | vs |
Deposit insurance
Is my money safe at The First National Bank of Proctor?
Yes. The First National Bank of Proctor is an FDIC-insured institution (FDIC certificate #5232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.4% of deposits ($2.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.47%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.18% (benchmark: 10%).
1 location
Branches
The First National Bank of Proctor lists 1 office in 1 city. Most locations:
- Proctor, MN (1)
Identity & history
Profile
- Legal name
- The First National Bank of Proctor
- Type
- National bank
- FDIC certificate #
- 5232
- RSSD ID
- 731957
- Primary regulator
- OCC
- Established
- January 1, 1902
- Headquarters
- 211 2nd St, Proctor, MN 55810
- Website
- www.proctorbank.com
- Employees
- 7
Quick answers
The First National Bank of Proctor: common questions
Is The First National Bank of Proctor FDIC insured?
Yes. The First National Bank of Proctor is an FDIC-insured institution (FDIC certificate #5232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Proctor's TellerScore?
69 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 Proctor ever failed?
There is no failure record for FDIC certificate #5232 in the FDIC failed bank list.
How many branches does The First National Bank of Proctor have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Proctor
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Duluth Police Department Employees Credit UnionCredit union Duluth, MN | 91 out of 100, Very strong | $7.8M | 22.8% | 0.41% | vs |
| Indianhead Credit UnionCredit union Spooner, WI | 86 out of 100, Very strong | $101.2M | 15.0% | 0.78% | vs |
| Centricity Credit UnionCredit union Hermantown, MN | 85 out of 100, Very strong | $340.5M | 14.0% | 0.79% | vs |
| Superior Municipal Employees Credit UnionCredit union Superior, WI | 79 out of 100, Strong | $3.0M | 16.5% | 0.00% | vs |
| North Shore Federal Credit UnionCredit union Silver Bay, MN | 74 out of 100, Strong | $284.8M | 12.8% | 0.33% | vs |
| Superior Savings BankBank Superior, WI | 74 out of 100, Strong | $98.8M | 16.3% | 1.15% | vs |