Side-by-side · Q2 2026 data
The First National Bank of Bemidji vs Security Bank & Trust Company
Metric by metric
| Measure | The First National Bank of Bemidji | Security Bank & Trust Company |
|---|---|---|
| TellerScore | 62 | 74 (stronger) |
| Capital cushion | 61 (stronger) | 44 |
| Loan quality | 34 | 89 (stronger) |
| Earnings | 77 | 98 (stronger) |
| Funding & liquidity | 85 (stronger) | 60 |
| Problem-loan coverage | 72 | 96 (stronger) |
| Peer percentile | 27th | 74th |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $844.4M | $1.2B |
| Capital ratio | 11.14% (stronger) | 9.37% |
| Problem loans | 1.99% | 0.34% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.42% | 1.96% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 71.3% |
| Uninsured deposits | 24.6% (stronger) | 40.9% |
| Offices | 2 | 19 |
| CFPB complaints (3 yrs) | — | 124 |
| Complaints per $1B deposits | — | 103.3 |
| Mortgage denial rate (HMDA) | — | 2.6% |
Security Bank & Trust Company has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Bemidji leads on 4 and Security Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.