Side-by-side · Q2 2026 data
The First National Bank of Bemidji vs United Bankers' Bank
Metric by metric
| Measure | The First National Bank of Bemidji | United Bankers' Bank |
|---|---|---|
| TellerScore | 62 | 74 (stronger) |
| Capital cushion | 61 | 95 (stronger) |
| Loan quality | 34 | 75 (stronger) |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 85 (stronger) | 26 |
| Problem-loan coverage | 72 | 89 (stronger) |
| Peer percentile | 27th | 74th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $844.4M | $635.6M |
| Capital ratio | 11.14% | 14.46% (stronger) |
| Problem loans | 1.99% | 0.76% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.42% (stronger) | 1.28% |
| Loans ÷ deposits | 64.6% (stronger) | 120.6% |
| Uninsured deposits | 24.6% (stronger) | 36.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bankers' Bank 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 United Bankers' Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.