Bank · FDIC insured
First National Bank North
A $864.3M bank headquartered in Walker, MN, with 10 branches in Minnesota. Best rates: CDs 4.03% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.03%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank North
First National Bank North is a family-owned community bank serving customers across North Central Minnesota since 1902.
The bank operates 10 branch locations in Walker, Crosslake, Baxter, Pequot Lakes, Longville, Hackensack, Backus, Remer, Akeley, and Nisswa.
- Headquarters
- 600 Minnesota Ave W, Walker, MN 56484
- FDIC certificate
- 5269 ↗
Branches
10 branches in Minnesota
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Minnesota
10 branches
Walker area · 1
- First National Bank NorthMain office600 Minnesota Ave W, Walker, MN 56484Directions
Akeley area · 1
- Akeley Branch110 Broadway Street East, Akeley, MN 56433Directions
Backus area · 1
- Backus BranchHighway 87 West, Backus, MN 56435Directions
Baxter area · 1
- Baxter Branch14521 Edgewood Dr, Baxter, MN 56425Directions
Crosslake area · 1
- Crosslake Branch35197 County Road 3, Crosslake, MN 56442Directions
Hackensack area · 1
- Hackensack BranchHighway 371 And Whipple Avenue, Hackensack, MN 56452Directions
Longville area · 1
- Longville Branch154 Jordan Ln, Longville, MN 56655Directions
Nisswa area · 1
- Nisswa Branch24110 Smiley Rd, Nisswa, MN 56468Directions
Pequot Lakes area · 1
- Pequot Lakes Branch30866 2nd St, Pequot Lakes, MN 56472Directions
Remer area · 1
- Remer Branch4 1st Ave Ne, Remer, MN 56672Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.14% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.23% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.54% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio12.14%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.23%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.54%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank North are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.