First National Bank of Bemidji, The
Bemidji, MN · Cert 5093 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 311).
- Widest gap: net interest margin trails 94% of banks $1B-$10B in assets (rank 297 of 317).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 172 of 317
Net Interest Margin
2.58%
Rank 297 of 317
Efficiency Ratio
52.16%
Rank 82 of 317
Equity / Assets
8.07%
Rank 296 of 317
Non-interest income vs. expense
Unfavorable gap of $12.7M · efficiency ratio beats 74% 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% | 0.93% | 1.22% | 1.51% | Beats 46% | 172 / 317 | | |
| Return on Equity | 14.54% | 8.63% | 11.43% | 14.48% | Beats 75% | 79 / 317 | | |
| Net Interest Margin | 2.58% | 3.06% | 3.45% | 3.83% | Beats 6% | 297 / 317 | | |
| Efficiency Ratio | 52.16% | 51.90% | 59.69% | 67.53% | Beats 74% | 82 / 317 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.99% | 0.24% | 0.51% | 1.14% | Beats 9% | 283 / 311 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 83% | 56 / 311 | | |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 11.75% | 13.15% | 15.30% | Beats 16% | 265 / 317 | | |
| Total Risk-Based Capital Ratio | 11.14% | 12.63% | 14.21% | 16.26% | Beats 10% | 286 / 317 | | |
| Equity / Assets | 8.07% | 9.06% | 10.32% | 11.95% | Beats 7% | 296 / 317 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.97% | 76.63% | 88.04% | 95.67% | 10th pctl | 280 / 312 | | |
| Loans / Assets | 50.87% | 65.41% | 74.05% | 79.71% | 8th pctl | 291 / 317 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |