The First National Bank of Moose Lake: how it compares with its peers
Against 100 MN banks with half to twice its assets, The First National Bank of Moose Lake's strongest measure in Q2 2026 is return on assets (2.12% vs. a 1.25% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $7.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.25% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.58% | 4.04% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.53% | 61.34% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.1M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.74% | 79.00% | Context |
What it means for lending operations
Its efficiency ratio of 55.53% is better than the 61.34% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- St. Clair State Bank (Incorporated) Saint Clair, MN · $134M
- Worthington Federal Savings Bank, FSB Worthington, MN · $135M
- Western National Bank Duluth, MN · $136M
- MINNESOTA LAKES BANK Delano, MN · $130M
- The First National Bank of Bagley Bagley, MN · $129M
- The First National Bank of Cokato Cokato, MN · $138M
Questions about The First National Bank of Moose Lake
How big is The First National Bank of Moose Lake?
The First National Bank of Moose Lake, established in 1926, is headquartered in Moose Lake, MN. It reported $134M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First National Bank of Moose Lake's return on assets?
2.12% annualized in Q2 2026, against a 1.25% median for 100 MN banks with half to twice its assets, ahead of 92% of them.
What is The First National Bank of Moose Lake's efficiency ratio?
55.53% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 61.34%, and lower is better.
Is The First National Bank of Moose Lake growing its loans?
Net loans shrank 2.4% over the year to Q2 2026, while deposits grew 0.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.