First National Bank North
Walker, MN
IDRSSD: 805755
Total Assets
$826.47M
Latest filing
Total Deposits
$723.51M
Latest filing
Net Interest Margin
4.68%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank North
600 Minnesota Ave W
Walker, MN 56484
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/01/1902FDIC Certificate 3540
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First National Bank North (Main) | 600 Minnesota Ave W | Walker, MN |
| HACKENSACK BRANCH | Highway 371 And Whipple Avenue | Hackensack, MN |
| BACKUS BRANCH | Highway 87 West | Backus, MN |
| CROSSLAKE BRANCH | 35197 County Road 3 | Crosslake, MN |
| LONGVILLE BRANCH | 154 Jordan Ln | Longville, MN |
| AKELEY BRANCH | 110 Broadway Street East | Akeley, MN |
| REMER BRANCH | 4 1st Ave Ne | Remer, MN |
| PEQUOT LAKES BRANCH | 30866 2nd St | Pequot Lakes, MN |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 12/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56484 |
| State and County Number | 27021 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Brainerd, MN |
Operational Info
| Number of Employees | 123 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbnorth.com |
| Data Updated | 11/14/2025 |
| CERT | 5269 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $826.47M |
| Total Deposits | $723.51M |
| Total Liabilities | $728.33M |
| Total Equity Capital | $98.15M |
| Net Income | $5.38M |
| Net Loans and Leases | $591.15M |
| Assets Per Employee ($Millions) | $6.83M |
| Bank Premises and Fixed Assets | $10.43M |
| Cash and Balances due from Depository Institutions | $140.18M |
| Deposits Held in Domestic Offices | $723.51M |
Key Performance Ratios
| Return on Assets (ROA) | 2.65% |
| Return on Equity (ROE) | 22.38% |
| Net Interest Margin | 4.68% |
| Efficiency Ratio | 47.94% |
| Tier 1 Risk-Based Capital Ratio | 18.533% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.875% |
| Earning Assets to total Assets | 96.83% |
Income and Expense
| Total Interest Income | $12.70M |
| Total Noninterest Income | $1.61M |
| Total Interest Expense | $3.49M |
| Total Noninterest Expense | $5.18M |
| Net Interest Income | $9.20M |
| Pre-tax Net Operating Income | $5.38M |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.82M |
| Total Liabilities and Capital | $826.47M |
Securities
| Securities | $76.93M |
| Available-for-sale debt securities | $76.93M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank North?
$826.47M as of the latest filing.
How much are First National Bank North's total deposits?
$723.51M in total deposits.
Where is First National Bank North located?
Walker, MN.
What is the Net Interest Margin?
4.68%.
How many domestic offices does it operate?
10.
When was it established?
12/01/1902.
What is the Return on Assets (ROA)?
2.65%.
How much are total loans and leases?
$591.15M (latest filing).
What is the total interest income (latest filing)?
$12.70M.