First National Bank (FDIC #25894): Bank Stress & Real-Estate Credit Exposure

First National Bank (FDIC Cert #25894): bank stress 18/100, contained, STABLE over 7 days; parent FULDA BCORP INC.

First National Bank (#25894) lends in 10 counties across 4 states; First National Bank (#25894) reaches 219 ZIP codes: Minnesota 6 counties, 155 ZIPs; South Dakota 2 counties, 21 ZIPs; Iowa 1 county, 22 ZIPs; Illinois 1 county, 21 ZIPs.

First National Bank (#25894) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#25894), Scott County, IA (22 branches, 22 ZIPs) (#25894), Dakota County, MN (22 branches, 22 ZIPs) (#25894), Rock Island County, IL (21 branches, 21 ZIPs) (#25894), Mower County, MN (19 branches, 19 ZIPs) (#25894), Fillmore County, MN (16 branches, 16 ZIPs) (#25894).

First National Bank (#25894) reports $477.8 million in total assets; First National Bank (#25894) equity $86.5 million (18.1% of First National Bank (#25894) assets); First National Bank (#25894) domestic deposits $380.1 million; First National Bank (#25894) net income $5.2 million; First National Bank (#25894) return on assets 2.18%; First National Bank (#25894) return on equity 12.82%; First National Bank (#25894) net interest income $18.2 million; First National Bank (#25894) call report June 30, 2026.

First National Bank (#25894) noncurrent real-estate loans: none reported; First National Bank (#25894) net charge-offs on real estate 2.36%; First National Bank (#25894) residential charge-offs 0.83%.

First National Bank (#25894) net interest margin 8.18% against an eight-quarter First National Bank (#25894) average of 8.79% (First National Bank (#25894) compression 0.61 points); First National Bank (#25894) non-residential real estate 82.7% of equity; First National Bank (#25894) rate-exposure score 40/100, First National Bank (#25894) fixed-rate trap 40/100; First National Bank (#25894) risk type rate trapped; First National Bank (#25894) rate regime rates elevated, First National Bank (#25894) snapshot October 20, 2026.

First National Bank (#25894) stress score moved from 17.7 on June 22, 2026 to 18.5 on October 20, 2026; First National Bank (#25894) ranged 17.7 to 18.5 over 117 snapshots.

First National Bank (#25894) alerts: 10 counties; top First National Bank (#25894) alert scores: Davenport County, SD 12 (low); Hastings County, SD 12 (low); Lakefield County, SD 12 (low); Le Roy County, SD 12 (low); Minneapolis County, SD 12 (low).