The First National Bank of Bemidji: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Bemidji of Bemidji, MN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.44% | +0.19% | 73rd above |
| ROAE | 21.43% | 12.49% | +8.94% | 92nd top |
| Net Interest Margin | 2.91% | 3.84% | -0.93% | 12th bottom |
| Efficiency Ratio | 48.85% | 58.88% | -10.03% | 78th top |
| PPNR / Avg Assets | 1.48% | 1.78% | -0.30% | 36th below |
| Yield on Earning Assets | 5.06% | 5.71% | -0.65% | 23rd bottom |
| Cost of Funds | 2.29% | 2.03% | +0.26% | 31st below |
| Net Interest Spread | 2.37% | 3.18% | -0.81% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.50% | 0.96% | +1.54% | 7th bottom |
| NPA / Total Assets | 1.45% | 0.75% | +0.70% | 13th bottom |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 62nd above |
| ACL / Total Loans | 0.65% | 1.25% | -0.60% | 7th bottom |
| ACL / NPLs (Coverage) | 25.82% | 699.59% | -673.77% | 2nd bottom |
| Texas Ratio | 17.57% | 7.15% | +10.42% | 9th bottom |
| Provision / NCO | 3500.00% | 810.93% | +2689.07% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.14% | 11.60% | -0.46% | 63rd above |
| Equity / Assets | 8.07% | 11.33% | -3.26% | 8th bottom |
| TCE / Tangible Assets | 8.07% | 10.65% | -2.58% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.97% | 86.37% | -21.40% | 91st top |
| Core Deposit Ratio | 84.76% | 85.56% | -0.80% | 34th below |
| Wholesale Funding Ratio | 13.20% | 5.44% | +7.76% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 10.13% | 10.46% | -0.33% | 76th top |
| Loan Growth (Y/Y) | 27.51% | 7.97% | +19.54% | 95th top |
| Deposit Growth (Y/Y) | 1.90% | 7.99% | -6.09% | 29th below |
See The First National Bank of Bemidji's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Bemidji, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Bemidji profile, how to read a UBPR, or how this data updates.