First National Bank of Bemidji, The
Bemidji, MN · Cert 5093 · Peer group: banks $1B-$10B in assets (n=322-328) · First NB of Bemidji Esop&Trust
National charter · OCC · 3 branches
Q2 2026
$1.1BAssets
$548.6MLoans
$844.4MDeposits
$87.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 83% of banks $1B-$10B in assets (rank 56 of 322).
- Widest gap: equity / assets trails 94% of banks $1B-$10B in assets (rank 307 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 180 of 328
Net Interest Margin
2.58%
Rank 305 of 328
Efficiency Ratio
52.16%
Rank 90 of 328
Equity / Assets
8.07%
Rank 307 of 328
Non-interest income vs. expense
Unfavorable gap of $12.7M · efficiency ratio beats 73% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.91% | 1.22% | 1.52% | Beats 45% | 180 / 328 | | |
| Return on Equity | 14.54% | 8.43% | 11.45% | 14.43% | Beats 76% | 78 / 328 | | |
| Net Interest Margin | 2.58% | 3.03% | 3.45% | 3.83% | Beats 7% | 305 / 328 | | |
| Efficiency Ratio | 52.16% | 51.61% | 59.56% | 67.53% | Beats 73% | 90 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.99% | 0.24% | 0.51% | 1.03% | Beats 10% | 291 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 83% | 56 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 11.75% | 13.15% | 15.47% | Beats 16% | 274 / 328 | | |
| Total Risk-Based Capital Ratio | 11.14% | 12.63% | 14.15% | 16.46% | Beats 10% | 294 / 328 | | |
| Equity / Assets | 8.07% | 9.15% | 10.33% | 12.01% | Beats 6% | 307 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.97% | 76.63% | 87.92% | 95.36% | 10th pctl | 290 / 323 | | |
| Loans / Assets | 50.87% | 65.18% | 74.15% | 79.98% | 9th pctl | 300 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |