The First National Bank of Bemidji: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Bemidji is one of the more profitable banks of its size. The Bemidji, Minnesota bank had $1.1 billion in assets at June 30, 2026, up 10.1% from a year earlier. It returns 21.4% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). On the other hand, it carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 4.0 times the median of 3.6% for banks its size. Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $4.4 million, 62% above the same quarter a year earlier. Over the same year, loans grew 27.5% and deposits grew 1.9%. Its margin is thin by comparison: it keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, The First National Bank of Bemidji reported a return on assets of 1.63%, a nonperforming-loan ratio of 2.50% and a Texas ratio of 14.20%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
- County
- Beltrami
- Metro Area
- Bemidji, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 27, 1897
- Offices
- 3 domestic
- Employees (FTE)
- 110
- Domestic deposits
- $844.4M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $1.08B
- Average total loans
- $519.1M
- Average interest-bearing deposits
- $696.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5093
- Fed RSSD
- 363657
- Website
- www.fnbbemidji.com →
- Parent Holding Company
- FIRST BEMIDJI HOLDING COMPANY (RSSD 1123876)
- Ultimate Parent
- RSSD 1248546
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The First National Bank of Bemidji, freeThe First National Bank of Bemidji rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.14% | 1.63% | 2.50% | 14.20% | 2.91% |
| Q1 2026 | 11.19% | 1.13% | 2.89% | 16.11% | 2.93% |
| Q4 2025 | 11.04% | 1.20% | 3.06% | 15.54% | 3.06% |
| Q3 2025 | 10.97% | 1.16% | 3.26% | 16.82% | 2.82% |
| Q2 2025 | 11.31% | 1.10% | 3.36% | 20.01% | 2.84% |
| Q1 2025 | 11.26% | 0.33% | 3.56% | 19.36% | 1.89% |
| Q4 2024 | 11.53% | 1.11% | 3.49% | 19.12% | 2.50% |
| Q3 2024 | 11.04% | 0.91% | 3.47% | 17.48% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Bemidji | Bemidji , MN | 56601 | $844.4M |
| South Branch | Bemidji , MN | 56601 | $0 |
| Fnbbemidji.Com Branch | Bemidji , MN | 56601 | $0 |
Regulatory record
What the public regulatory sources show for The First National Bank of Bemidji, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MN, rank 29 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First National Bank of Bemidji
What are The First National Bank of Bemidji's total assets?
As of the Q2 2026 filing, The First National Bank of Bemidji reported total assets of $1.08 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of Bemidji headquartered?
The First National Bank of Bemidji is headquartered in Bemidji, MN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The First National Bank of Bemidji founded?
The First National Bank of Bemidji was established in 1897, per the FDIC institution directory.
Is The First National Bank of Bemidji FDIC-insured?
Yes. The First National Bank of Bemidji is an FDIC-insured commercial bank (FDIC Certificate #5093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Bemidji?
The First National Bank of Bemidji's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The First National Bank of Bemidji operate?
The First National Bank of Bemidji operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Bemidji's Texas Ratio?
The First National Bank of Bemidji's Texas Ratio is 14.20% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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