B
The First National Bank of Milaca
Milaca,  MN
Rating Date
August 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 7.00
Capitalization Index 9.70
Liquidity Index 2.90
Profitability Index 6.70
Stability Index 5.60
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 4.51%
5-Year Asset Growth 2.02%
5-Year Charge-Offs to Average Loans 0.35%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 1.92%
Non-Performing Loans to Loans 0.45%
Balance Sheet The First National Bank of Milaca
Milaca, MN
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Total Assets 293.22M
Total Deposits 259.78M
Capital and Reserves The First National Bank of Milaca
Milaca, MN
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Capital 30.04M
Leverage Ratio 10.77
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio 18.48
Liquidity The First National Bank of Milaca
Milaca, MN
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Hot Money Ratio 11.97%
Liquidity Ratio 27.60%
Profitability The First National Bank of Milaca
Milaca, MN
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5-Year Return on Average Assets 0.90%
Net Income 2.80M
Net Interest Spread 4.52%
Operating Profit to Average Assets 1.95%
Overhead Efficiency Ratio 57.57%
Return on Assets 1.95%
Return on Equity 19.13%