FIRST NATIONAL BANK OF BEMIDJI, THE

BEMIDJI, MN | Large | Est. Nov. 27, 1897, midnight | FDIC #5093 | RSSD #363657 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF BEMIDJI, THE is aln large FDIC-insured commercial bank headquartered in BEMIDJI, MN, established in Nov. 27, 1897, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $849M. Profitability stands at 1.25% ROA and 15.92% ROE, with a net interest margin of 3.10%. The bank's CET1 capital ratio is 8.06%. Asset quality metrics show a non-performing loan ratio of 2.40% and a Texas Ratio of 15.18%. FDIC Certificate #5093.

Assets

$1.0B

Deposits

$849M

Loans

$467M

Equity

$82M

Profitability

Return on Assets (ROA) 1.25%
Return on Equity (ROE) 15.92%
Net Interest Margin (NIM) 3.10%
Yield on Assets 5.40%
Cost of Funds 2.54%

Asset Quality

NPL Ratio 2.40%
Net Charge-Off Ratio 0.04%
Texas Ratio 15.18%
NPA Ratio 1.29%
ACL / Loans 0.72%

Capital & Liquidity

CET1 Ratio 8.06%
Tier 1 Capital 8.06%
Total Capital Ratio 8.47%
Leverage Ratio 11.04%
Loan-to-Deposit 55.06%

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