First Nb Of Milaca (FDIC #5198): Bank Stress & Real-Estate Credit Exposure

First Nb Of Milaca (FDIC Cert #5198): bank stress 51/100, moderate, STABLE over 7 days; parent RUM RIVER BCORP INC.

First Nb Of Milaca (#5198) lends in 3 counties across 1 state; First Nb Of Milaca (#5198) reaches 23 ZIP codes: Minnesota 3 counties, 23 ZIPs.

First Nb Of Milaca (#5198) largest markets: Mille Lacs County, MN (24 branches, 12 ZIPs) (#5198), Benton County, MN (9 branches, 9 ZIPs) (#5198), Sherburne County, MN (9 branches, 9 ZIPs) (#5198).

First Nb Of Milaca (#5198) reports $293.2 million in total assets; First Nb Of Milaca (#5198) equity $30.0 million (10.2% of First Nb Of Milaca (#5198) assets); First Nb Of Milaca (#5198) domestic deposits $259.8 million; First Nb Of Milaca (#5198) net income $2.8 million; First Nb Of Milaca (#5198) return on assets 1.95%; First Nb Of Milaca (#5198) return on equity 19.05%; First Nb Of Milaca (#5198) net interest income $6.3 million; First Nb Of Milaca (#5198) call report June 30, 2026.

First Nb Of Milaca (#5198) noncurrent real-estate loans: none reported; First Nb Of Milaca (#5198) net charge-offs on real estate 0.52%.

First Nb Of Milaca (#5198) net interest margin 4.58% against an eight-quarter First Nb Of Milaca (#5198) average of 4.02% (First Nb Of Milaca (#5198) compression -0.55 points); First Nb Of Milaca (#5198) real-estate loans 0.2% of equity; First Nb Of Milaca (#5198) rate-exposure score 40/100, First Nb Of Milaca (#5198) fixed-rate trap 40/100; First Nb Of Milaca (#5198) risk type credit driven; First Nb Of Milaca (#5198) rate regime rates elevated, First Nb Of Milaca (#5198) snapshot October 19, 2026.

First Nb Of Milaca (#5198) stress score moved from 51.2 on June 22, 2026 to 50.8 on October 19, 2026; First Nb Of Milaca (#5198) ranged 50.8 to 51.2 over 116 snapshots.

First Nb Of Milaca (#5198) alerts: 3 counties; top First Nb Of Milaca (#5198) alert scores: Gilman County, MN 20 (low); Milaca County, MN 20 (low); Zimmerman County, MN 20 (low).