Banks FIRST NATIONAL BANK OF BEMIDJI, THE

FIRST NATIONAL BANK OF BEMIDJI, THE

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

FIRST NATIONAL BANK OF BEMIDJI, THE is an 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%. CET1 capital ratio: 8.06%. NPL ratio: 2.40% · Texas Ratio: 15.18%.

Assets
$1.0B
Deposits
$849M
Loans
$467M
Equity
$82M

Profitability

Return on Assets (ROA)1.25%
Return on Equity (ROE)15.92%
Net Interest Margin3.10%
Yield on Assets5.40%
Cost of Funds2.54%

Asset Quality

NPL Ratio2.40%
Net Charge-Off Ratio0.04%
Texas Ratio15.18%
NPA Ratio1.29%
ACL / Loans0.72%

Capital & Liquidity

CET1 Ratio8.06%
Tier 1 Capital8.06%
Total Capital Ratio8.47%
Leverage Ratio11.04%
Loan-to-Deposit55.06%

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