🏦Bank Scorer

THE FIRST NATIONAL BANK OF MOOSE LAKE

MOOSE LAKE, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1926FDIC #5,214
Satisfactory Down

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.06%

Is this bank safe?

THE FIRST NATIONAL BANK OF MOOSE LAKE holds a Satisfactory CRA rating (2024), is financially strong (ROA +2.06%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

400 Elm Ave, MOOSE LAKE, MN

County

Carlton County

Established

June 21, 1926

Total Assets

$135M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 12, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$135M

Total Deposits

$113M

Net Loans

$97M

Net Income

$706K

ROA

2.06%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.60%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.06%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate13.70%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$112M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247372.6%13.70%
20237871.79%7.69%
20228785.06%5.75%
201910885.19%3.70%
20187286.11%4.17%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Aug 2024SatisfactoryLarge Bank
Apr 2019OutstandingSmall Bank
Jan 2013OutstandingSmall Bank

4 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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