The First National Bank of Bemidji (FDIC certificate #5093) is based in Bemidji, Minnesota. Its Q2 2026 call report shows $1.1B in total assets and $844.4M in deposits and 3 offices.
The First National Bank of Bemidji has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 27% of its 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 164th. Funding & liquidity contributes the most (85/100, 65% loans-to-deposits, 25% uninsured); loan quality contributes the least (34/100, 1.99%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (50 → 62), mostly because the earnings component improved by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 50 |
| Q4 2024 | 52 |
| Q1 2025 | 47 |
| Q2 2025 | 50 |
| Q3 2025 | 52 |
| Q4 2025 | 55 |
| Q1 2026 | 59 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.07% |
| Q3 2024 | 11.04% |
| Q4 2024 | 11.53% |
| Q1 2025 | 11.26% |
| Q2 2025 | 11.31% |
| Q3 2025 | 10.97% |
| Q4 2025 | 11.04% |
| Q1 2026 | 11.19% |
| Q2 2026 | 11.14% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 2.72% |
| Q4 2024 | 2.75% |
| Q1 2025 | 2.83% |
| Q2 2025 | 2.75% |
| Q3 2025 | 2.60% |
| Q4 2025 | 2.47% |
| Q1 2026 | 2.28% |
| Q2 2026 | 1.99% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.91% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $1.1B | 11.14% | 1.99% | 1.42% | 64.6% |
| Q1 2026 | 59 | $1.0B | 11.19% | 2.28% | 1.16% | 59.2% |
| Q4 2025 | 55 | $1.0B | 11.04% | 2.47% | 1.00% | 54.7% |
| Q3 2025 | 52 | $1.0B | 10.97% | 2.60% | 0.91% | 52.4% |
| Q2 2025 | 50 | $979.3M | 11.31% | 2.75% | 0.74% | 51.5% |
| Q1 2025 | 47 | $930.3M | 11.26% | 2.83% | 0.35% | 50.7% |
| Q4 2024 | 52 | $945.2M | 11.53% | 2.75% | 0.84% | 51.2% |
| Q3 2024 | 50 | $948.8M | 11.04% | 2.72% | 0.73% | 51.5% |
| Q2 2024 | 73 | $934.0M | 11.07% | 0.18% | 0.62% | 50.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Resource BankBank Lino Lakes, MN | 66 out of 100, Moderate | $1.1B | 8.3% | 0.09% | vs |
| MidCountry BankBank Minneapolis, MN | 72 out of 100, Strong | $1.1B | 13.0% | 0.90% | vs |
| United Bankers' BankBank Richfield, MN | 74 out of 100, Strong | $1.1B | 14.5% | 0.76% | vs |
| Premier BankBank Maplewood, MN | 76 out of 100, Strong | $1.2B | 10.2% | 0.00% | vs |
| Security Bank & Trust CompanyBank Glencoe, MN | 74 out of 100, Strong | $1.3B | 9.4% | 0.34% | vs |
| Citizens Alliance BankBank Clara City, MN | 47 out of 100, Below average | $1.4B | 9.8% | 1.48% | vs |
Deposit insurance
Is my money safe at The First National Bank of Bemidji?
Yes. The First National Bank of Bemidji is an FDIC-insured institution (FDIC certificate #5093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.6% of deposits ($207.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The First National Bank of Bemidji lists 2 offices in 1 city. Most locations:
- Bemidji, MN (2)
Identity & history
Profile
- Legal name
- The First National Bank of Bemidji
- Type
- National bank
- FDIC certificate #
- 5093
- RSSD ID
- 363657
- Primary regulator
- OCC
- Holding company
- First Nb of Bemidji Esop&trust
- Established
- November 27, 1897
- Headquarters
- 1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
- Website
- www.fnbbemidji.com
- Employees
- 110
Quick answers
The First National Bank of Bemidji: common questions
Is The First National Bank of Bemidji FDIC insured?
Yes. The First National Bank of Bemidji is an FDIC-insured institution (FDIC certificate #5093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Bemidji's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Bemidji ever failed?
There is no failure record for FDIC certificate #5093 in the FDIC failed bank list.
How many branches does The First National Bank of Bemidji have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bemidji
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Trustar Federal Credit UnionCredit union International F, MN | 88 out of 100, Very strong | $376.7M | 15.4% | 0.36% | vs |
| Security Bank USABank Bemidji, MN | 77 out of 100, Strong | $263.9M | 9.4% | 0.22% | vs |
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |
| Ultima Bank MinnesotaBank Winger, MN | 72 out of 100, Strong | $333.9M | 10.8% | 0.62% | vs |
| Western National BankBank Cass Lake, MN | 72 out of 100, Strong | $37.1M | 9.1% | 0.00% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |