What is The First National Bank of Bemidji's financial health grade?

The First National Bank of Bemidji has a TFS Financial Health Grade of C (score: 66.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The First National Bank of Bemidji have?

The First National Bank of Bemidji has 3 branch locations across the United States.

Is The First National Bank of Bemidji FDIC insured?

Yes, The First National Bank of Bemidji is FDIC insured (Certificate #5093).

What are the total assets of The First National Bank of Bemidji?

The First National Bank of Bemidji has total assets of $1.0B as reported in its most recent FDIC filing.

The First National Bank of Bemidji: Safety Grade & Financial Health

BankBemidji, Minnesota

www.fnbbemidji.com

Total Assets

$1.0B

Total Deposits

$848.8M

Branches

Established

1897

The First National Bank of Bemidji is a bank headquartered in Bemidji, Minnesota, established in 1897. It holds $1.0B in total assets across 3 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The First National Bank of Bemidji earns a TFS Financial Health Grade of C (66.4/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

66.4 / 100

Average financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

11.04%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

2.47%

Profitability

Return on Assets (ROA)

1.00%(1%)

Return on Equity (ROE)

13.67%(10%)

Net Interest Margin

2.53%

Efficiency Ratio

58.98%(60%)

Lending & Liquidity

Total Loans

$467.3M

Loan-to-Deposit Ratio

54.67%

Net Charge-Off Ratio

Other banks in Minnesota

Security Bank USA

Bank

Bemidji, MN

$261.6M

A-

Ameriprise Bank, FSB

Bank

Minneapolis, MN

$25.3B

B-

WINGS FINANCIAL

Apple Valley, MN

$9.3B

TRUSTONE FINANCIAL

Growth

Asset Growth (YoY)

+7.04%

Deposit Growth (YoY)

+5.54%

Net Income

$9.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No CFPB complaints found for this institution.

Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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Branch	Address	City	State	Type
The First National Bank of BemidjiHQ	1600 Paul Bunyan Dr Nw	Bemidji	MN	11
The First National Bank of Bemidji	607 Washington Ave S	Bemidji	MN	11
The First National Bank of Bemidji	1600 Paul Bunyan Dr Nw	Bemidji	MN	13

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #5093

Primary RegulatorOCC

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.