# FIRST NATIONAL BANK
HAWLEY, MN · FDIC certificate 5161 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $90.7M | |
| Deposits | $69.9M | |
| Loans and leases | $52.7M | |
| Total equity | $13.8M | |
| Loans / deposits | 73.33% (p58 of band) | 69.17% |
| Liquid assets / assets | 36.63% (p54 of band) | |
| Uninsured deposits / deposits | 5.94% (p35 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.94% (p71 of band) | |
| FHLB advances / assets | 5.94% | |
| Tier 1 leverage | 12.89% (p81 of band) | 10.02% |
| Unrealized securities loss / equity | 5.07% (p63 of band) | 3.21% |
| AOCI / equity | 0.34% (p65 of band) | |
| ROA (annualized) | 0.96% (p60 of band) | 0.78% |
| Net interest margin | 3.91% (p59 of band) | 3.76% |
| Efficiency ratio | 61.04% (p22 of band) | |
| Noncurrent loans | 2.66% (p71 of band) | 1.31% |
| Net charge-offs (annualized) | -0.02% (p11 of band) | |
| Reserve coverage of noncurrent | 102.29% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 12.63% (p45 of band) | |
| Auto loans | $2.3M (4.42% of loans; DQ 0.73%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-06 [Downtown St. Paul's skyline once again has a fully lit First National Bank sign - MPR News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQOUlsS19neXZVN3lhbUFKZDJmSGdDTkg1Y2ZSYmpWMUF6c0UtNnBlVk5yRUdvNS1LUjVBZFhKdy1XOHVieTZHTXE2ejB2NGh0RURtSmhVWlhRRmZrT1hvQTVKeG5manhCb2haYmpnMkctd3lmRDFCajVLSVpuY0NGWmtjaXNOUmdRc1BVamVUZnVSWVZDdEE4Tnd2TnlNdTlYUGdqM0QzS21SZDV5aFk4UExMLU1raFRCMEVV?oc=5) · MPR News
- 2026-03-09 [First National Bank to Acquire First State Bank of Fountain and Root River State Bank - Fillmore County Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxPWEJfbFhOemgyV1FNU25XUk9VbDNVWEM2WkN0Z016c1lXLU1kN1kxVTJiUkVWUXR1UW5IRk1rWmJLa29aOG9FeWdoZUloNlNJNEh0UEUzX2pDS19CaEM0Vzd1VFVXbWxfbWh0N2ZNWFVjVjV3RjlucDNJR0w3RGJmZXowem1URE03YU5WNVBYSTZwYXltNnhOeUhUNDZoeWo3Ml9JU1lqcy1NQ0o3Sk45QmRNdTI1WW1TY0RrRw?oc=5) · Fillmore County Journal
- 2026-08-06 [First National Bank Building relights iconic sign - kare11.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQZjFQRldWUEhOOHFBcUo0ZjFpWmpzM2ZVZ05tcThySTFtNlduOUtTTHRFNHF0MFdIbklUX3JsWDBBRnZxSkV6NGZSWmNmVmpuOVVWQlY4ejgycTRVRVJRYmNNelZTUktjSVVGRGwxaWpEeHBXWHR2djQ3N0hwZlotNDJkai1LcVFxb0x2MDFnSWx0UWxPbHRlOGpicmZ4WjB1cFc4R2J0YXZQTVF1LW02OEdPZGQxa0ZtOUJGY1pJNUVpSkJTcm5LQ25kcjlBUmc?oc=5) · kare11.com
- 2026-01-14 [Peters promoted to First National Bank Minnesota President - southernminn.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOMFhFajQ3TlRhNFF0Q0lmNHBMajlpcS1VUHpRbndEWm05MDRwV1NYdW4xbFBuMUtjQ3lqeDdESW95dV9pNXpVc1c3bENTNFNZRDhNdFg2dGZHVlVYTkVUQVF1ZDdaQVB3b3dYbDhxN19sQWpFbmx2LXd3NHFhbTQyUlpqODhIZDQzbHdCTG9rXzdpTUUxX01kVkpNekFuWHpLTmdEZkdzVlNRMDAybkdLOUFsOTNFclpfRU9SbXdzQUNFOXp3U09SZ3QwZmdwS1lTTkQtaFlZRzFNQUZFaTByaklUNnhLZw?oc=5) · southernminn.com
- 2026-05-15 [Florida investor Jamie Rand buys St. Paul’s First National Bank building - Pioneer Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxNRW9YQkoxQjVTT2F1V0Z6akVjbnV0SV8yTWZZLWM5cnU2dllGNUh1M3dfc3h1RXVJQkMwRWx0dzZoMnJiUVNJeDRQNVIyUmVkVnhvRlpPQzJsZlMwdThJYnYtRUdpakQ1YkliazQyeWtiMENDUG02NnMwd2ZObnhZU3M0UzdwbE96Q19mSE91c1ZDUmpQYnFLUTJyeXJjTWF6RzA1cWVDd0lXalM3QUE?oc=5) · Pioneer Press
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-15 [Florida investor with grand plans buys St. Paul’s historic First National Bank Building for a steep discount - Star Tribune](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNMDNWaXNXZURoRVp2anJualJZRDlyb0QzSlk1NkI1VVdlX05LUFVvb3VhTzRSbjZjeC1hTWtRYzkwcGNubkM3eE8xQVNzVHNLRWcyVEpJc0EzLXAyWDBpTHYtMDRUb3cwZEg3Wk5xY2p0UzE0UHZXR0NWUThvR1JlZ2VhRGw5M08zOWNxcDRlRFEtd0NJT2hyMzBkc2dlaXlzX2NObXo0ZU1PRzBGT1FLZXpJWkhzODZxbHBrVnh0TmlETXhEMlNWNmdwbGdYLVlRNjdKZXEyRjZQS1NN?oc=5) · Star Tribune
- 2025-12-15 [First National Bank in Akeley Closed After Pickup Drives Into Building - Lakeland PBS](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMWd6RVNRalBlSlVQZV82Tl9jUFhEM1cxamdIQUNEd01CUDVLcGd4blA0cW1aajF3bmVsM0hnSTItckQ1THliaVUzMndoeno3bXdJT3VpRkl6S3hfQ2JCT1VQcU5ydUhBVXl3RER5T3RvWnY4aWVWbzdHTjhBaFZjOGdoTVdMM3NPNmpYZnhxU2pldw?oc=5) · Lakeland PBS

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5161 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "5161", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide