Bank · FDIC insured
First National Bank of Moose Lake
A $133.7M bank headquartered in Moose Lake, MN, with 2 branches in Minnesota. Best rates: CDs 4.20% and savings 0.80% APY.
First National Bank of Moose Lake Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#17 of 29 in Duluth, MN-WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Moose Lake
First National Bank of Moose Lake is a locally owned community bank headquartered in Moose Lake, Minnesota.
The employee-owned independent institution traces its history back to October 20, 1919.
- Headquarters
- 400 Elm Ave, Moose Lake, MN 55767
- FDIC certificate
- 5214 ↗
Branches
2 branches in Minnesota
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Minnesota
2 branches
- The First National Bank of Moose LakeMain office400 Elm Ave, Moose Lake, MN 55767Directions
- Industrial Park Branch20 Hartman Dr, Moose Lake, MN 55767Directions
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 | 15.98% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.10% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.12% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio15.98%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.10%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.12%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ 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 of Moose Lake are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.