Side-by-side · Q2 2026 data
Citizens Alliance Bank vs The First National Bank of Bemidji
Metric by metric
| Measure | Citizens Alliance Bank | The First National Bank of Bemidji |
|---|---|---|
| TellerScore | 47 | 62 (stronger) |
| Capital cushion | 48 | 61 (stronger) |
| Loan quality | 51 (stronger) | 34 |
| Earnings | 28 | 77 (stronger) |
| Funding & liquidity | 39 | 85 (stronger) |
| Problem-loan coverage | 80 (stronger) | 72 |
| Peer percentile | 5th | 27th |
| Total assets | $1.4B | $1.1B |
| Deposits / shares | $1.2B | $844.4M |
| Capital ratio | 9.81% | 11.14% (stronger) |
| Problem loans | 1.48% (stronger) | 1.99% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.20% | 1.42% (stronger) |
| Loans ÷ deposits | 82.0% | 64.6% (stronger) |
| Uninsured deposits | 49.9% | 24.6% (stronger) |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
The First National Bank of Bemidji has the higher TellerScore (62 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Citizens Alliance Bank leads on 2 and The First National Bank of Bemidji on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.