B
The First National Bank of Milaca
MilacaMN
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First National Bank of Milaca
Milaca, MN
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Rating B
Asset Quality Index 5.80
Capitalization Index 9.10
Liquidity Index 3.10
Profitability Index 5.70
Stability Index 4.30
Company Info The First National Bank of Milaca
Milaca, MN
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FDIC Number 5198
Phone Number (320) 983-3101
Website www.fnbmilaca.com
Asset Quality The First National Bank of Milaca
Milaca, MN
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1-Year Asset Growth 3.13%
5-Year Asset Growth 2.02%
5-Year Charge-Offs to Average Loans 0.29%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 0.26%
Non-Performing Loans to Capital 3.17%
Non-Performing Loans to Loans 0.52%
Balance Sheet The First National Bank of Milaca
Milaca, MN
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Total Assets 283.87M
Total Deposits 253.77M
Capital and Reserves The First National Bank of Milaca
Milaca, MN
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Capital 29.26M
Leverage Ratio 10.42
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio 19.10
Liquidity The First National Bank of Milaca
Milaca, MN
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Hot Money Ratio 12.02%
Liquidity Ratio 30.61%
Profitability The First National Bank of Milaca
Milaca, MN
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5-Year Return on Average Assets 0.83%
Net Income 4.57M
Net Interest Spread 4.13%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 63.83%
Return on Assets 1.62%
Return on Equity 17.60%