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The First National Bank Of Bemidji
Bemidji, MN · FDIC Certificate #5093 · Chartered 11/2
Total assets
$1.08B
Total deposits
$844.39M
Total equity
$87.03M
Net loans
$545.08M
Branches (offices)
3
Net income (YTD)
$7.40M
Rank: #976 of 4,213 U.S. banks by assets · #16 of 221 in Minnesota. Assets changed 10.1% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 17.92% |
| Net interest margin (YTD) | 2.78% |
| Equity to assets | 8.07% |
| Tier 1 leverage ratio | 11.14% |
| Uninsured deposits (share of deposits) | 24.6% |
| Noncurrent loans (share of loans) | 1.99% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 64.6% |
| Real estate loans (share of loans) | 66.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $363.84M | 66.7% | |
| Commercial & industrial | $125.69M | 23.1% | |
| Consumer / individual | $27.94M | 5.1% | |
| Construction & development | $14.97M | 2.7% | |
| Agricultural | $2.65M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.01B | $841.53M | $6.72M | $51.04M |
| Jun 2023 | $984.31M | $785.20M | $4.19M | $42.06M |
| Jun 2024 | $934.03M | $793.42M | $2.87M | $55.27M |
| Jun 2025 | $979.32M | $828.62M | $3.54M | $65.03M |
| Jun 2026 | $1.08B | $844.39M | $7.40M | $87.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $844.39M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $844.39M.
Similar-sized banks
Insbank ($1.08B) · Frontier Bank Of Texas ($1.08B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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