This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Bemidji, MN
Health score
75.4
Total assets
$1.1B
Bank
Richfield, MN
Health score
68.7
Total assets
$1.1B
Answer first
The First National Bank of Bemidji leads on financial health and profitability and growth; United Bankers' Bank leads on capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The First National Bank of Bemidji
Higher TFS health score
Capitalization
United Bankers' Bank
Higher comparable capital ratio
Profitability
The First National Bank of Bemidji
Higher return on assets
Lending quality
United Bankers' Bank
Lower problem-loan measure
Growth
The First National Bank of Bemidji
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | The First National Bank of Bemidji | United Bankers' Bank |
|---|---|---|
| TFS health score | 75.4/100Leads | 68.7/100 |
| Total assets | $1.1B | $1.1B |
| Total deposits / shares | $844.4M | $635.6M |
| Tier 1 capital ratio | 11.14% | 14.46%Leads |
| Return on assets | 1.42%Leads | 1.28% |
| Return on equity | 17.92%Leads |
The First National Bank of Bemidji
3 branches
United Bankers' Bank
1 branches
Both institutions report branches in 1 state: MN.
The First National Bank of Bemidji
Unavailable
United Bankers' Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
The First National Bank of Bemidji
0 in TFS registry
United Bankers' Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | The First National Bank of Bemidji score | The First National Bank of Bemidji ROA | United Bankers' Bank score | United Bankers' Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.73% | — | 0.45% |
| 2024-Q4 | — | 0.84% | — | 0.35% |
| 2025-Q1 | — | 0.35% | — | 0.66% |
| 2025-Q2 | — | 0.74% | — | 0.55% |
| 2025-Q3 | — | 0.91% | — | 0.56% |
| 2025-Q4 | — | 1.00% | — | 0.58% |
| 2026-Q1 | 71.9/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 10.10% |
| Non-performing loans | 1.99% | 0.76%Leads |
| Net charge-offs | 0.00%Leads | 0.02% |
| Efficiency ratio | 52.16%Leads | 71.33% |
| Loan-to-deposit ratio | 64.55% | 120.61% |
| Asset growth (YoY) | 10.13%Leads | -6.78% |
| Deposit / share growth (YoY) | 1.90% | 3.23%Leads |
| Branches | 3 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.16% |
| 62.1/100 |
| 0.91% |
| 2026-Q2 | 75.4/100 | 1.42% | 68.7/100 | 1.28% |