First Nb of Henning
Ottertail, Minnesota · FDIC Cert #5162
First Nb of Henning is an FDIC-insured bank (Certificate #5162) with $368M in total assets and $333M in total deposits as of the Q2 2024 Call Report. Headquartered in Ottertail, Minnesota, the bank maintains a Tier 1 capital ratio of 11.79% (Well-Capitalized) and a nonperforming loan ratio of 0.74%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Henning (FDIC cert 5162) is a community bank — $368M in total assets, $333M in deposits, serving the Ottertail, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.79% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.74% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.88% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Nb of Henning carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Henning
- Total Assets
- $368M
- Total Deposits
- $333M
- Tier 1 Capital Ratio
- 11.79%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.74%
- Liquidity Ratio
- 24.80%
- Return on Assets
- 0.88%
- Headquarters
- Ottertail, Minnesota
- FDIC Certificate
- #5162
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Henning holds a Tier 1 capital ratio of 11.79%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Henning has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Henning shows strong financial health indicators. With $368M in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Henning Compares
First Nb of Henning’s Health Score of 77 is 4 points above the Minnesota state average of 73 across 225 FDIC-insured banks. Its 11.79% Tier 1 capital ratio is 2.2 points below the US banking industry average near 14%. The 0.74% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.88% is below the national ROA benchmark of ~1.1%. Among 1554 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, First Nb of Henning is 7 points above the portfolio average of 70.
Frequently Asked Questions
First Nb of Henning has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.79%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Henning's Tier 1 capital ratio of 11.79% and nonperforming loan ratio of 0.74% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Henning is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5162). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Henning holds $368M in total assets and $333M in total deposits. It is headquartered in Ottertail, Minnesota (FDIC Certificate #5162).
First Nb of Henning has a Tier 1 capital ratio of 11.79%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.74%, and the return on assets is 0.88%.
Yes. First Nb of Henning is FDIC-insured (Certificate #5162). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Henning's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.