First National Bank
Chisholm, MN
IDRSSD: 371755
Total Assets
$78.98M
Latest filing
Total Deposits
$71.79M
Latest filing
Net Interest Margin
3.98%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
101 W Lake St
Chisholm, MN 55719
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/02/1905FDIC Certificate 3419
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank (Main) | 101 W Lake St | Chisholm, MN |
| CHISHOLM BRANCH | 301 1st St Nw | Chisholm, MN |
| COOK BRANCH | 32 S River St | Cook, MN |
Showing 2 of 2
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 | 04/02/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55719 |
| State and County Number | 27137 |
| 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 | Duluth, MN-WI |
Operational Info
| Number of Employees | 16 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbchisholm.com |
| Data Updated | 11/14/2025 |
| CERT | 5113 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $78.98M |
| Total Deposits | $71.79M |
| Total Liabilities | $71.96M |
| Total Equity Capital | $7.02M |
| Net Income | $22.00k |
| Net Loans and Leases | $30.30M |
| Assets Per Employee ($Millions) | $4.94M |
| Bank Premises and Fixed Assets | $1.27M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $71.79M |
Key Performance Ratios
| Return on Assets (ROA) | 0.11% |
| Return on Equity (ROE) | 1.32% |
| Net Interest Margin | 3.98% |
| Efficiency Ratio | 73.24% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.98% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.886% |
| Earning Assets to total Assets | 94.68% |
Income and Expense
| Total Interest Income | $894.00k |
| Total Noninterest Income | $60.00k |
| Total Interest Expense | $158.00k |
| Total Noninterest Expense | $583.00k |
| Net Interest Income | $736.00k |
| Pre-tax Net Operating Income | $22.00k |
| Provision for Credit Losses | $191.00k |
| 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 | $139.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.41M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $37.00k |
| Total Liabilities and Capital | $78.98M |
Securities
| Securities | $40.45M |
| Available-for-sale debt securities | $40.45M |
| 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?
$78.98M as of the latest filing.
How much are First National Bank's total deposits?
$71.79M in total deposits.
Where is First National Bank located?
Chisholm, MN.
What is the Net Interest Margin?
3.98%.
How many domestic offices does it operate?
3.
When was it established?
04/02/1905.
What is the Return on Assets (ROA)?
0.11%.
How much are total loans and leases?
$30.30M (latest filing).
What is the total interest income (latest filing)?
$894.00k.