The First National Bank of Bemidji: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.56 percentage points higher than in Q1 2026, at 164.86%. Within Minnesota, The First National Bank of Bemidji is 173rd of 221 on loan-to-deposit ratio, 64.97% as of Q2 2026, below the middle of the field. The First National Bank of Bemidji reported 64.97% on loan-to-deposit ratio for Q2 2026, 23.23 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $548.6M |
| Net loans and leases | $545.1M |
| Loans held for sale | $0 |
| Loans to total assets | 50.87% |
| Loan-to-deposit ratio | 64.97% |
| Net loans to equity capital | 6.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.40% |
| Multifamily (5+ residential) | 2.75% |
| Commercial and industrial | 22.91% |
| Consumer | 5.09% |
| Credit cards | 0.00% |
| Farm | 0.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 164.86% |
| Construction concentration (Tier 1 capital + allowance) | 12.04% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.54% |
| Interest income on loans | $8.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $388.8M | $802.0M | 36.07% | 25.24% | 9.93% |
| Q4 2023 | $374.9M | $803.1M | 36.27% | 22.44% | 10.06% |
| Q1 2024 | $375.8M | $783.5M | 35.87% | 22.37% | 9.77% |
| Q2 2024 | $406.6M | $793.4M | 35.26% | 25.26% | 8.95% |
| Q3 2024 | $409.6M | $789.9M | 35.18% | 23.81% | 8.86% |
| Q4 2024 | $414.8M | $804.2M | 35.97% | 21.81% | 8.41% |
| Q1 2025 | $409.6M | $800.9M | 34.45% | 22.81% | 8.04% |
| Q2 2025 | $430.3M | $828.6M | 33.63% | 24.57% | 7.26% |
| Q3 2025 | $443.2M | $839.4M | 33.52% | 23.40% | 6.84% |
| Q4 2025 | $467.3M | $848.8M | 35.10% | 20.70% | 6.36% |
| Q1 2026 | $498.5M | $835.5M | 37.90% | 19.98% | 5.68% |
| Q2 2026 | $548.6M | $844.4M | 37.40% | 22.91% | 5.09% |
The First National Bank of Bemidji loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Bemidji, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Bemidji profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5093) · FFIEC NIC profile (RSSD 363657)