Side-by-side · Q2 2026 data
The First National Bank of Bemidji vs Ultima Bank Minnesota
Metric by metric
| Measure | The First National Bank of Bemidji | Ultima Bank Minnesota |
|---|---|---|
| TellerScore | 62 | 72 (stronger) |
| Capital cushion | 61 (stronger) | 58 |
| Loan quality | 34 | 79 (stronger) |
| Earnings | 77 | 90 (stronger) |
| Funding & liquidity | 85 (stronger) | 50 |
| Problem-loan coverage | 72 | 90 (stronger) |
| Peer percentile | 27th | 50th |
| Total assets | $1.1B | $333.9M |
| Deposits / shares | $844.4M | $277.3M |
| Capital ratio | 11.14% (stronger) | 10.83% |
| Problem loans | 1.99% | 0.62% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.42% | 1.76% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 112.2% |
| Uninsured deposits | 24.6% | 10.7% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ultima Bank Minnesota has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Bemidji leads on 3 and Ultima Bank Minnesota on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.