FIRST NATL FINL SERVICES INC is the parent banking group. FIRST BANK ELK RIVER is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FIRST NATL FINL SERVICES INC

Legal name: FIRST NATIONAL FINANCIAL SERVICES INC.

1 active bank · 1 merged/absorbed · $362M combined assets

RSSD ID: 1125357 (FFIEC NIC)

Combined Assets

$362M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST BANK ELK RIVERELK RIVER, MNSatisfactory$362MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$362M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$272M

Net Income

$422K

ROA (avg)

0.46%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

78.95%

Denial Rate

7.89%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST BANK ELK RIVER	ELK RIVER, MN	FDIC	$362M	100.0%	Satisfactory	Aug 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.