FDIC Cert #5093 · Bemidji, Minnesota · Est. 1897

The First National Bank of Bemidji - FDIC Bank Health Profile

A community-scale look at The First National Bank of Bemidji's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.0B
Total assets
B
Health grade · Good
1.00%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Bemidji earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.04% Tier 1, 1.00% ROA, efficient (59% cost ratio).

#1,033
largest of 4,313 FDIC banks by assets
76th
percentile by asset size, nationally
11.04%
Tier 1 ratio - above the 10% well-capitalized line
42nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 5093 · MN B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2985/4307
  • PHOTO-FINISH Bank Midwest · IA
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 13.4% Texas
  • ROA-PAR 1.00% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Bank Midwest, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of Bemidji

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Midwest · IA · near70/100First Community Bank · NE · …70/100Mountain Commerce Bank · TN …70/100Security First Bank · NE · n…70/100The First National B… · MN ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Bemidji · July 2026

Call Report read for The First National Bank of Bemidji in a high-failure state

The First National Bank of Bemidji (FDIC Cert #5093) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,985 of 4,307. Tier 1 capital prints at 11.04%, clearing the 10% well-capitalized line. The Texas Ratio is 13.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.00%. Balance-sheet scale is $1.0B, 1,033rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank Midwest (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of Bemidji

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

The First National Bank of Bemidji sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about The First National Bank of Bemidji's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How The First National Bank of Bemidji's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
The First National Bank of Bemidji's composite health score
Tier 1 Capital Ratio (11.04%) 28/40
Return on Assets (ROA) (1.00%) 14/25
Texas Ratio (13.44%) 16/20
Efficiency Ratio (58.98%) 12/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.0B

Total balance-sheet footings

Total Deposits

$849M

Customer-funded liabilities

Net Loans

$464M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.64% 11.04% 12.44%
Basel III capital ratios - The First National Bank of Bemidji

Where The First National Bank of Bemidji ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Bemidji's score of 70/100 falls in the highlighted band.

The First National Bank of Bemidji: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Bemidji 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First National Bank of Bemidji's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Bemidji's $1.0B falls in the highlighted band.

Capital & credit buffers at The First National Bank of Bemidji

Tier 1 capital ratio
Well-capitalized 10%

11.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.04%
Texas Ratio
13.44%
Equity Capital
$82M

What these ratios mean →

Profitability metrics: The First National Bank of Bemidji

Return on Assets (ROA)
42nd percentile nationally
1.00%
Return on Equity (ROE)
13.67%
Efficiency Ratio
58.98%

What these mean →

Income & expense at The First National Bank of Bemidji

$46M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Bemidji reports a Texas Ratio of 13.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Bemidji on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.0B here), outside Minnesota so the neighborhood is not state containment.

Sanibel Captiva Community Bank $1.0B · FL First Federal Savings and Loan Associ… $1.0B · PA The First National Bank of McGregor $1.0B · TX Tolleson Private Bank $1.0B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Bemidji (FDIC Cert #5093) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

The First National Bank of Bemidji Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%