Total Assets
$1.0B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The First National Bank of Bemidji — FDIC Bank Health Profile
Bemidji, Minnesota · Est. 1897. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #5093 Kansas City Region
F
Health grade
At Risk
Score: 26/100
Basel III capital ratios — The First National Bank of Bemidji
Total Deposits
$849M
Customer-funded liabilities
Net Loans
$464M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$82M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.00%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
13.67%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
58.98%
Income & Expense Breakdown
$46M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense
FDIC Deposit Insurance
The First National Bank of Bemidji is FDIC-insured (Certificate #5093). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The First National Bank of Bemidji
The First National Bank of Bemidji is an FDIC-insured institution (Certificate #5093) headquartered in Bemidji, Minnesota, established in 1897. The bank currently holds $1.0B in total assets and $849M in customer deposits, with $464M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The First National Bank of Bemidji reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $82M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.00% and a Return on Equity of 13.67%, with an Efficiency Ratio of 58.98% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of F (26/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The First National Bank of Bemidji is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Minnesota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The First National Bank of Bemidji (FDIC Cert #5093) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSB Minneapolis | $25.3B | A | 3.08% |
| Bridgewater Bank Saint Louis Park | $5.4B | C | 0.99% |
| Frandsen Bank & Trust Lonsdale | $3.7B | B | 1.48% |
| Stearns Bank National Association Saint Cloud | $3.3B | B | 1.85% |
| Minnwest Bank Redwood Falls | $3.0B | C | 0.92% |
| Merchants Bank, National Association Winona | $2.9B | C | 1.23% |
| Tradition Capital Bank Wayzata | $2.6B | C | 0.71% |
| Think Mutual Bank Rochester | $2.2B | F | 0.61% |
Frequently Asked Questions
What is The First National Bank of Bemidji's health grade? ▼
The First National Bank of Bemidji receives a health grade of F (26/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is The First National Bank of Bemidji? ▼
The First National Bank of Bemidji holds $1.0B in total assets and $849M in deposits. It is headquartered in Bemidji, Minnesota.
Is my money safe at The First National Bank of Bemidji? ▼
Yes. The First National Bank of Bemidji is FDIC-insured (Certificate #5093). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The First National Bank of Bemidji's Tier 1 Capital Ratio? ▼
The First National Bank of Bemidji has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is The First National Bank of Bemidji? ▼
The First National Bank of Bemidji has an Efficiency Ratio of 58.98%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.