First Bank Elk River (FDIC #5136): Bank Stress & Real-Estate Credit Exposure
First Bank Elk River (FDIC Cert #5136): bank stress 85/100, severe, STABLE over 7 days; parent FIRST NATL FINL SERVICES INC.
First Bank Elk River (#5136) lends in 3 counties across 1 state; First Bank Elk River (#5136) reaches 100 ZIP codes: Minnesota 3 counties, 100 ZIPs.
First Bank Elk River (#5136) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#5136), Anoka County, MN (20 branches, 20 ZIPs) (#5136), Sherburne County, MN (18 branches, 9 ZIPs) (#5136).
First Bank Elk River (#5136) reports $369.2 million in total assets; First Bank Elk River (#5136) equity $31.2 million (8.4% of First Bank Elk River (#5136) assets); First Bank Elk River (#5136) domestic deposits $269.9 million; First Bank Elk River (#5136) net income $1.0 million; First Bank Elk River (#5136) return on assets 0.57%; First Bank Elk River (#5136) return on equity 6.71%; First Bank Elk River (#5136) net interest income $5.9 million; First Bank Elk River (#5136) call report June 30, 2026.
First Bank Elk River (#5136) noncurrent real-estate loans: none reported; First Bank Elk River (#5136) net charge-offs on real estate 0.65%; First Bank Elk River (#5136) residential charge-offs 0.62%.
First Bank Elk River (#5136) net interest margin 3.53% against an eight-quarter First Bank Elk River (#5136) average of 3.17% (First Bank Elk River (#5136) compression -0.35 points); First Bank Elk River (#5136) non-residential real estate 61.8% of equity; First Bank Elk River (#5136) rate-exposure score 40/100, First Bank Elk River (#5136) fixed-rate trap 40/100; First Bank Elk River (#5136) risk type credit driven; First Bank Elk River (#5136) rate regime rates elevated, First Bank Elk River (#5136) snapshot October 20, 2026.
First Bank Elk River (#5136) stress score moved from 84.7 on June 22, 2026 to 84.6 on October 20, 2026; First Bank Elk River (#5136) ranged 84.6 to 84.7 over 117 snapshots.
First Bank Elk River (#5136) alerts: 3 counties; top First Bank Elk River (#5136) alert scores: Anoka County, MN 49 (moderate); Elk River County, MN 28 (low); Rogers County, MN 28 (low).