Bemidji, MN · Cert 5093 · First NB of Bemidji Esop&Trust
National charter · OCC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 1.01% | 1.04% | 1.05% | 1.39% | +43 bps | |
| Return on Equity | 14.01% | 14.23% | 13.29% | 13.33% | 17.69% | +369 bps | |
| Net Interest Margin | 2.42% | 2.48% | 2.74% | 2.63% | 2.62% | +20 bps | |
| Efficiency Ratio | 57.67% | 56.54% | 48.06% | 53.41% | 50.97% | -670 bps | |
| Non-Interest Burden | 1.24% | 1.23% | 1.12% | 1.24% | 1.14% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.85% | 6.08% | 7.04% | 10.75% | 10.13% | +528 bps | |
| Loan Growth (YoY) | 5.83% | 8.19% | 12.66% | 21.69% | 27.51% | +2,168 bps | |
| Deposit Growth (YoY) | 4.44% | 6.27% | 5.54% | 4.33% | 1.90% | -253 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.75% | 2.60% | 2.47% | 2.28% | 1.99% | -76 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.10% | 0.00% | 0.01% | -2 bps | |
| Allowance / Loans | 0.74% | 0.73% | 0.72% | 0.71% | 0.65% | -9 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.31% | 10.97% | 11.04% | 11.19% | 11.14% | -17 bps | |
| Total Risk-Based Capital | 11.31% | 10.97% | 11.04% | 11.19% | 11.14% | -17 bps | |
| Equity / Assets | 6.64% | 7.55% | 8.15% | 7.59% | 8.07% | +143 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.93% | 52.79% | 55.06% | 59.66% | 64.97% | +1,305 bps | |
| Liquid Assets / Assets | 4.10% | 3.11% | 0.46% | 0.24% | 0.26% | -385 bps | |
| CRE / Total Capital | n/a | 150.69% | 162.61% | 185.77% | n/a | n/a | |