Community Reinvestment Act Public File
The Community Reinvestment Act (CRA), enacted in 1977, is designed to encourage banks to help meet the credit needs of the communities they serve, including low‑ and moderate‑income neighborhoods.
First National Bank Minnesota is proud to play an active role in our communities. We are committed to providing responsible credit and banking services that support community growth and economic opportunity where we live and work.
Our Most Recent CRA Evaluation
You can view the public portion of First National Bank Minnesota’s most recent Community Reinvestment Act (CRA) Performance Evaluation by selecting the link below.
CRA Performance Evaluation - 2023
Our CRA Assessment Areas
Use the link below to view maps showing the geographic areas used to evaluate First National Bank Minnesota’s CRA performance.
Assessment of Area Maps
Loan to Deposit Ratio for Each Quarter of the Prior Year
| 3/31/2026 | 12/31/2025 | 9/30/2025 | 6/30/2025 | 3/31/2025 |
|---|---|---|---|---|
| 88.13% | 86.47% | 88.09% | 88.05% | 85.11% |
What the Community Is Saying
At this time, First National Bank Minnesota has not received any public comments for the current year or the prior two calendar years, as of April 1, 2026. This section will be updated if public comments are received after the annual April 1 review.
Where You Can Find Us
Use the links below to find First National Bank Minnesota branch locations, addresses, and hours.
St. Peter Branch Location & Hours Information
Mankato Branch Location & Hours Information
Gaylord Branch Location & Hours Information
Belle Plaine Branch Location & Hours Information
| Location | Address | City | State | Zip | MSA | County Code | County Name | Census Tract | Tract Income |
|---|---|---|---|---|---|---|---|---|---|
| St. Peter | 201 W. Main Street | St. Peter | MN | 56082 | Mankato, MM | 103 | Nicollet | 4804.00 | Middle |
| Mankato | 500 Long Street | Mankato | MN | 56001 | Mankato, MM | 013 | Blue Earth | 1704.00 | Middle |
| Gaylord | 209 Main Avenue | Gaylord | MN | 55334 | NA (Outside of MSA) | 143 | Sibley | 1703.00 | Middle |
| Belle Plaine | 201 West Main Street | Belle Plaine | MN | 56011 | Minneapolis-St.Paul - Bloomington, MN-WI | 139 | Scott | 0813.01 | Middle |
Banking Services Available to Our Customers
- Personal Products & Services: Checking, Savings, CD & IRA's, Personal Lending, Mortgage Lending and Additional Services.
- Business Products & Services: Checking, Savings, Treasury Management, Business Lending, and Additional Services.
- Agribusiness Products & Services: Ag Loans
- Please contact your local First National Bank Minnesota branch location for questions regarding transaction or services fees.
Changes to Our Branch Network
First National Bank Minnesota has not opened or closed any branch locations for the current year or the prior two calendar years as of April 1, 2026.
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.
HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's website (www.consumerfinanance.gov/hmda).
CRA Public File Requests
First National Bank Minnesota can provide hard copies of the CRA Public File. We may charge a fee to cover copying and mailing expenses. Requests can be competed on the Contact Us page.