The First National Bank of Bemidji
Also written as FNB of Bemidji
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Bemidji is an FDIC-insured commercial bank headquartered in Bemidji, MN, established in 1897 (FDIC certificate 5093), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.08B, up 10.1% from Q2 2025, the 16th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5093
- Headquarters
- Bemidji, MN
- Established
- 1897
- Total assets, Q2 2026
- $1.08B
- Assets vs Q2 2025
- +10.1%
- Tier 1 leverage ratio, Q2 2026
- 11.14%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091201232
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Bemidji Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- FIRST BEMIDJI HOLDING COMPANY
- Asset rank in state
- 16th of 221 in Minnesota
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 880 banks with $1 billion to $10 billion in assets (median 12.7%). On the other hand, it carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 3.9 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 1.99% and a Texas ratio of 14.20%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, The First National Bank of Bemidji is the 16th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.7% to $1.08B, loans rose 10.1% and deposits rose 1.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.4% of total loans, ahead of commercial and industrial loans at 22.9%. Its 3 offices in the FDIC Summary of Deposits are in Bemidji, MN. By the capital ratios in its Q2 2026 call report, The First National Bank of Bemidji meets the community bank leverage ratio test for well capitalized.
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
- Domestic offices
- 3 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Bemidji reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Bemidji's total assets ran between $916.5M (Q1 2024) and $1.08B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.08B total assets against $979.3M; $991.5M total liabilities against $914.3M.
$545.1M net loans and leases against $427.1M; $844.4M total deposits against $828.6M.
$494.8M securities against $480.7M; $8.5M cash and balances due against $46.7M.
$12.6M total interest income against $11.4M; $5.5M total interest expense against $5.3M.
$7.1M net interest income against $6.0M.
$1.1M total noninterest income against $938K; $4.2M total noninterest expense against $4.0M.
$0 provision for credit losses against $40K.
$4.4M net income against $2.7M.
1.63% return on assets against 1.10%; 2.91% net interest margin against 2.84%.
11.14% tier 1 leverage ratio against 11.31%.
Inside the full The First National Bank of Bemidji terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Bemidji rankings
Its closest position to the top of a national ranking is 345 of 3,640, for Texas Ratio; its furthest is 1,029 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.33% (Q1 2025) to 1.63% (Q2 2026) and its net interest margin ran from 1.89% (Q1 2025) to 3.06% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.14% | 1.63% | 1.99% | 14.20% | 2.91% |
| Q1 2026 | 11.19% | 1.13% | 2.28% | 16.11% | 2.93% |
| Q4 2025 | 11.04% | 1.20% | 2.47% | 15.54% | 3.06% |
| Q3 2025 | 10.97% | 1.16% | 2.60% | 16.82% | 2.82% |
| Q2 2025 | 11.31% | 1.10% | 2.75% | 20.01% | 2.84% |
| Q1 2025 | 11.26% | 0.33% | 2.83% | 19.36% | 1.89% |
| Q4 2024 | 11.53% | 1.11% | 2.75% | 19.12% | 2.50% |
| Q3 2024 | 11.04% | 0.91% | 2.72% | 17.48% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MN, rank 29 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The First National Bank of Bemidji headquartered?
It is headquartered in Bemidji, MN, United States.
When was The First National Bank of Bemidji founded?
It was established in 1897, per the FDIC institution directory.
Is The First National Bank of Bemidji FDIC-insured?
Yes. It 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.
How many branches does The First National Bank of Bemidji operate?
It 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?
Its Texas Ratio is 14.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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