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Bank call report · Bemidji, MN

The First National Bank of Bemidji Call Report

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The First National Bank of Bemidji filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 342 reported line items, schedule by schedule (627 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

The First National Bank of Bemidji call report filing details
Call report formFFIEC 041
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID363657
FDIC certificate number5093
Total assets$1.08B

Official Q2 2026 call report PDF (FFIEC) →

The First National Bank of Bemidji call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.

Schedule RC: Balance Sheet (25 items)

About Schedule RC · The First National Bank of Bemidji balance sheet trends

The First National Bank of Bemidji Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $1.08B
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $1.08B
Total Liabilities and Minority Interest RCON2948 $991.5M
Total Deposits RCON2200 $844.4M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $696.3M
Loans and Leases, Net of Unearned Income - Totals RCONB528 $548.6M
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $545.1M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $494.8M
Deposits: Noninterest-bearing RCON6631 $148.1M
Undivided Profits and Capital Reserves RCON3632 $114.5M
Total Equity Capital RCON3210 $87.0M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $87.0M
Other Borrowed Money RCON3190 $80.6M
Securities Sold Under Agreements to Repurchase RCONB995 $61.8M
Accumulated Other Comprehensive Income RCONB530 -$33.5M
Other Assets RCON2160 $19.6M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $7.7M
Noninterest-bearing Balances and Currency and Coin RCON0081 $5.8M
Other Liabilities, Total RCON2930 $4.8M
Allowance for Loan and Lease Losses RCON3123 $3.5M
Common Stock RCON3230 $3.0M
Surplus RCON3839 $3.0M
Interest-bearing Balances RCON0071 $2.8M
Other Real Estate Owned RCON2150 $1.9M
Intangible Assets RCON2143 $924K
Schedule RI: Income Statement (46 items)

About Schedule RI · The First National Bank of Bemidji income statement trends

The First National Bank of Bemidji Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $24.7M
Interest and Fee Income on Loans, Total RIAD4010 $16.0M
Net Interest Income RIAD4074 $14.0M
Total Interest Expense RIAD4073 $10.6M
Total Noninterest Expense RIAD4093 $8.3M
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $8.1M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $8.1M
Income (Loss) Before Discontinued Operations RIAD4300 $7.4M
Net Income (Loss) RIAD4340 $7.4M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $7.4M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $6.3M
Salaries and Employee Benefits RIAD4135 $5.6M
Interest on Other Securities RIAD4060 $5.2M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $4.8M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $4.1M
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $3.4M
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $2.8M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $2.6M
Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. RIAD4507 $2.6M
Other Noninterest Expense RIAD4092 $2.1M
Total Noninterest Income RIAD4079 $2.0M
Savings Deposits (Including Mmdas) RIAD0093 $1.6M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $1.2M
Interest and Fee Income on All Other Loans in Domestic Offices RIAD4058 $1.0M
Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase RIAD4180 $856K
Other Noninterest Income RIADB497 $782K
Applicable Income Taxes RIAD4302 $666K
Fees and Commissions from Securities Brokerage RIADC886 $666K
Realized Gains (Losses) on Available-for-sale Debt Securities RIAD3196 $645K
Expenses of Premises and Fixed Assets RIAD4217 $631K
Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RIADB488 $548K
Interest on Trading Liabilities and Other Borrowed Money RIAD4185 $537K
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $282K
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $253K
Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. RIAD4313 $231K
Provision for Loan and Lease Losses RIAD4230 $210K
Provisions for Credit Losses on Financial Assets RIADJJ33 $210K
Net Servicing Fees RIADB492 $116K
Net Gains (Losses) on Sales of Loans RIAD5416 $111K
Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices RIAD4024 $100K
Interest Income on Balances Due from Depository Institutions RIAD4115 $83K
Other Interest Income RIAD4518 $35K
Net Gains (Losses) on Other Real Estate Owned RIAD5415 $33K
Unrealized holding gains (losses) on equity securities not held for trading RIADHT70 -$23K
Net Gains (Losses) on Sales of Other Assets (Excluding Securities) RIADB496 -$3K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 110
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)

About Schedule RC-A

The First National Bank of Bemidji Schedule RC-A, Q2 2026
Line item Code Q2 2026
Cash and Balances Due from Depository Institutions RCON0010 $8.5M
Currency and Coin RCON0080 $3.1M
Balances Due from Federal Reserve Banks RCON0090 $2.7M
Cash Items in Process of Collection and Unposted Debits RCON0020 $2.5M
Balances Due from Depository Institutions in the U.S. RCON0082 $310K
Schedule RC-B: Securities (39 items)

About Schedule RC-B · The First National Bank of Bemidji securities trends

The First National Bank of Bemidji Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost RCONG302 $1.4M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value RCONG303 $1.4M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost RCONG306 $14.0M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value RCONG307 $13.7M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCONG314 $49.1M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $48.1M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost RCONG322 $30.2M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value RCONG323 $28.9M
Total Amortized Cost of Available-for-sale Securities RCON1772 $528.5M
Pledged Securities RCON0416 $256.3M
Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8498 $247.9M
Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8499 $227.6M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years RCONA554 $119.2M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years RCONA553 $101.8M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA551 $94.6M
Amortized Cost of Available-for-sale U.S. Treasury Securities RCON1286 $92.0M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCONA562 $87.8M
Fair Value of Available-for-sale U.S. Treasury Securities RCON1287 $87.0M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost RCONK156 $54.0M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value RCONK157 $49.3M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCONA561 $38.6M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less RCONA549 $31.3M
Asset-backed Securities: Available-for-sale Amortized Cost RCONC989 $30.2M
Total (Asset-backed Securities) Fair Value - Available-for-sale RCONC027 $29.8M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $9.6M
Amortized Cost of Other Available-for-sale Domestic Debt Securities RCON1739 $8.3M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCONA248 $7.8M
Fair Value of Other Available-for-sale Domestic Debt Securities RCON1741 $7.3M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA552 $6.3M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $5.4M
Amortized Cost of Structured Notes RCON8782 $4.0M
Fair Value of Structured Notes RCON8783 $3.7M
Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost RCONHT60 $1.3M
Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value RCONHT61 $1.3M
Amortized Cost of Held-to-maturity Securities Sold or Transferred to Available-for-sale or Trading Securities During the Calendar Year-to-date RCON1778 $267K
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCONK145 $257K
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCONK144 $244K
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA550 $120K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA558 $1K
Schedule RC-C, Part I: Loans and Leases (38 items)

About Schedule RC-C, Part I · The First National Bank of Bemidji loans and leases trends

The First National Bank of Bemidji Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $548.6M
Pledged Loans and Leases RCONG378 $227.0M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $166.9M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $158.7M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $148.7M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $133.9M
Commercial and Industrial Loans RCON1766 $125.7M
Commercial and Industrial Loans to U.S. Addressees RCON1763 $125.7M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $104.7M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $74.3M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $59.0M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $53.7M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $38.3M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $37.8M
Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. RCON2107 $23.9M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $18.4M
Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) RCONK137 $15.4M
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $15.1M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $12.3M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $11.5M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $11.3M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $8.6M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $8.5M
Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) RCON2746 $8.1M
Other Loans RCONJ464 $4.6M
Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) RCONJ451 $4.5M
Real Estate Loans Secured by Farmland RCON1420 $4.0M
Loans Secured by 1-4 Family Residential Construction RCONF158 $3.7M
Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties RCONK161 $3.0M
Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONHK25 $3.0M
Loans to Finance Agricultural Production and Other Loans to Farmers RCON1590 $2.6M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $1.7M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $1.5M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $769K
Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) RCONF577 $295K
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $293K
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans RCONB539 $248K
Loans for purchasing or carrying securities, including margin loans RCON1545 $89K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)

About Schedule RC-C, Part II

The First National Bank of Bemidji Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $39.0M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5569 $32.8M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5575 $16.6M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5567 $11.2M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $6.8M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $2.0M
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5585 $2.0M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5581 $1.4M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5583 $813K
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5589 $429K
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5587 $247K
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5579 $195K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 663
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5584 92
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 83
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 76
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 67
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5574 54
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 46
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5580 11
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5578 4
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5586 4
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5582 3
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5588 1
Schedule RC-E: Deposit Liabilities (25 items)

About Schedule RC-E · The First National Bank of Bemidji deposit liabilities trends

The First National Bank of Bemidji Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $621.1M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $518.5M
Total Transaction Accounts RCON2215 $223.3M
Money Market Deposit Accounts (Mmda's) RCON6810 $207.5M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $203.2M
Total Demand Deposits (See Note Below) RCON2210 $148.1M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $141.6M
Total Time Deposits of Less Than $100,000 RCON6648 $137.1M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $128.7M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $113.3M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $102.6M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $94.6M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $76.0M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $72.4M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $72.1M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $70.5M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $61.1M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $46.1M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $36.7M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $35.8M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $34.4M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $31.9M
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $20.1M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK15 $10.1M
Total Transaction Accounts - Deposits of U.S. Government RCON2202 $19K
Schedule RC-F: Other Assets (5 items)

About Schedule RC-F

The First National Bank of Bemidji Schedule RC-F, Q2 2026
Line item Code Q2 2026
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $7.5M
Other Assets RCON2168 $5.4M
Life Insurance Assets: General Account Life Insurance Assets RCONK201 $3.8M
Accrued Interest Receivable RCONB556 $2.9M
Derivatives with a Position Fair Value Held for Purposes Other Than Trading RCONC010 $267K
Schedule RC-G: Other Liabilities (4 items)

About Schedule RC-G

The First National Bank of Bemidji Schedule RC-G, Q2 2026
Line item Code Q2 2026
Other Expenses Accrued and Unpaid RCON3646 $2.6M
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $1.9M
All Other Liabilities RCON2938 $230K
First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) RCON3552 $230K
Schedule RC-K: Quarterly Averages (17 items)

About Schedule RC-K · The First National Bank of Bemidji quarterly averages trends

The First National Bank of Bemidji Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $1.08B
Quarterly Average of Total Loans RCON3360 $519.1M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $252.2M
All Other Securities RCONB560 $251.2M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $232.0M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $224.0M
Mortgage-backed Securities RCONB559 $153.5M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $130.4M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $125.4M
Quarterly Average of Commercial and Industrial Loans RCON3387 $110.7M
U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RCONB558 $92.0M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $81.8M
Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase RCON3353 $68.6M
Quarterly Average of Other Borrowed Money RCON3355 $45.8M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $28.3M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $2.6M
Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers RCON3386 $2.5M
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (12 items)

About Schedule RC-L · The First National Bank of Bemidji derivatives and off-balance-sheet items trends

The First National Bank of Bemidji Schedule RC-L, Q2 2026
Line item Code Q2 2026
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $17.8M
Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market RCON8725 $16.5M
Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps RCON3450 $15.0M
Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate RCONA589 $15.0M
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $10.2M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $3.6M
1-4 Family Residential Construction Loan Commitments RCONF164 $3.3M
Year-to-date Merchant Credit Card Sales Volume:sales for Which the Reporting Bank Is the Agent Bank with Risk RCONC224 $2.8M
Written OTC Interest Rate Option Contracts RCON8709 $1.5M
Performance Standby Letters of Credit RCON3821 $1.2M
Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate RCON6550 $573K
Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market RCON8741 $267K
Schedule RC-M: Memoranda (8 items)

About Schedule RC-M · The First National Bank of Bemidji memoranda trends

The First National Bank of Bemidji Schedule RC-M, Q2 2026
Line item Code Q2 2026
FHLB Advances (Loans) Due in One Year or Less RCON2651 $80.6M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less RCONF055 $80.6M
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $2.5M
All Other Real Estate Owned: Construction and Land Development in Domestic Offices RCON5508 $1.8M
Estimated Fair Value of Mortgage Servicing Assets RCONA590 $1.7M
Mortgage Servicing Assets RCON3164 $924K
All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices RCON5510 $142K
Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations RCON6165 2
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (24 items)

About Schedule RC-N · The First National Bank of Bemidji past due and nonaccrual loans, leases, and other assets trends

The First National Bank of Bemidji Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $10.7M
Commercial and Industrial Loans - Nonaccrual RCON1608 $7.0M
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $2.7M
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual RCONF182 $2.1M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $1.2M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $1.2M
Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing RCON1606 $628K
Additions to Nonaccrual Assets RCONC410 $625K
Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days RCONF173 $405K
Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual RCONF183 $338K
Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing RCON1407 $228K
All Other Loans - Past Due 90 Days or More and Still Accruing RCON5460 $214K
Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing RCONK213 $199K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing RCONK216 $126K
All Other Loans - Past Due 30 Through 89 Days and Still Accruing RCON5459 $106K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing RCONC238 $39K
1-4 Family Residential Construction Loans: Past Due 31 - 89 Days RCONF172 $31K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural RCONC230 $27K
Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual RCONK215 $20K
All Other Loans - Nonaccrual RCON5461 $17K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing RCONK217 $14K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual RCONK218 $5K
Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual RCON1583 $4K
Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing RCON1594 $3K
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)

About Schedule RC-O · The First National Bank of Bemidji other data for deposit insurance assessments trends

The First National Bank of Bemidji Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $1.08B
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $909.5M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $455.7M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $295.5M
Average Tangible Equity for the Calendar Quarter RCONK654 $118.9M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $71.1M
Total Allowable Exclusions, Including Interest Accrued and Unpaid on Allowable Exclusions (Including Foreign Deposits) RCONF237 $63.2M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $23.9M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 29,756
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 2,032
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 395
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 53
Averaging Method Used RCONK653 1
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (9 items)

About Schedule RC-Q

The First National Bank of Bemidji Schedule RC-Q, Q2 2026
Line item Code Q2 2026
Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc RCONG502 $495.0M
Available-for-sale Securities - Level 1 Fair Value Measurements RCONG475 $494.8M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes RCONJA36 $494.8M
Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements RCONG504 $494.8M
All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements RCONG544 $267K
All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc RCONG541 $267K
All Other Assets - Level 2 Fair Value Measurements RCONG396 $267K
All Other Assets - Total Fair Value Reported on Schedule Rc RCONG391 $267K
Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements RCONG505 $267K
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)

About Schedule RC-R, Part I · The First National Bank of Bemidji regulatory capital components and ratios trends

The First National Bank of Bemidji Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average Total Assets (Net of Deductions) RCOAA224 $1.08B
Average total consolidated assets RCOAKW03 $1.08B
Total Assets RCOA2170 $1.08B
Common Equity Tier 1 Capital RCOAP859 $120.8M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $120.8M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $120.8M
Retained Earnings RCOAKW00 $114.5M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $87.0M
Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP844 -$33.8M
Accumulated Other Comprehensive Income RCOAB530 -$33.5M
Unconditionally Cancellable Commitments RCOAS540 $13.7M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $6.0M
Off-balance sheet exposures: Other off-balance sheet exposures RCOAKX81 $1.2M
Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B RCOAKX82 $1.2M
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Do you qualify for and opt-in to CBLR? RCOALE74 1
Tier 1 Leverage Capital Ratio RCOA7204 0.1114
Total off-balance sheet exposures (sum of items 15a through 15.c) RCOAKX83 0.0012
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)

About Schedule RC-S

The First National Bank of Bemidji Schedule RC-S, Q2 2026
Line item Code Q2 2026
Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements RCONB805 $148.6M
Schedule RI-A: Changes in Bank Equity Capital (5 items)

About Schedule RI-A

The First National Bank of Bemidji Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $87.0M
Balance End of Previous Calendar Year as Restated RIADB508 $82.4M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $82.4M
Cash Dividends Declared on Common Stock RIAD4460 $3.8M
Other Comprehensive Income RIADB511 $1.0M
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)

About Schedule RI-B, Part I · The First National Bank of Bemidji charge-offs and recoveries on loans and leases trends

The First National Bank of Bemidji Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK205 $21K
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $21K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $15K
Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK206 $10K
Recoveries on Automobile Loans RIADK133 $4K
Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens RIADC218 $1K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)

About Schedule RI-B, Part II · The First National Bank of Bemidji changes in allowances for credit losses trends

The First National Bank of Bemidji Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $3.5M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $3.3M
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $21K
Schedule RI-E: Explanations (15 items)

About Schedule RI-E

The First National Bank of Bemidji Schedule RI-E, Q2 2026
Line item Code Q2 2026
Data Processing Expenses RIADC017 $656K
Bank Card and Credit Card Interchange Fees RIADF555 $580K
Automated Teller Machine (ATM) and Interchange Expense RIADF558 $387K
Marketing and Other Professional Services RIAD0497 $99K
Directors' Fees RIAD4136 $95K
Earnings On/increase in Value of Cash Surrender Value of Life Insurance RIADC014 $72K
Printing, Stationery, and Supplies RIADC018 $57K
Operating Expenses Communications - Postage, Monthly RIAD8403 $42K
Accounting and Auditing Expenses RIADF556 $41K
Safe Deposit Box Rent RIADC015 $29K
Telecommunications Expense RIADF559 $20K
Income and Fees from Wire Transfers RIADT047 $19K
Income and Fees from Automated Teller Machines (Atms) RIADC016 $14K
Income and Fees from the Printing and Sale of Checks RIADC013 $14K
Other Real Estate Owned Expenses RIADY923 $6K

The First National Bank of Bemidji call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the The First National Bank of Bemidji call report?

The The First National Bank of Bemidji call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does The First National Bank of Bemidji file?

The First National Bank of Bemidji files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the The First National Bank of Bemidji call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: The First National Bank of Bemidji has Federal Reserve RSSD ID 363657 and FDIC certificate number 5093. Either one finds its filings on the FFIEC Central Data Repository.

How often does The First National Bank of Bemidji file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

The First National Bank of Bemidji financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.