Side-by-side · Q2 2026 data
The First National Bank of Bemidji vs Western National Bank
Metric by metric
| Measure | The First National Bank of Bemidji | Western National Bank |
|---|---|---|
| TellerScore | 62 | 72 (stronger) |
| Capital cushion | 61 (stronger) | 41 |
| Loan quality | 34 | 100 (stronger) |
| Earnings | 77 (stronger) | 73 |
| Funding & liquidity | 85 (stronger) | 65 |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 27th | 45th |
| Total assets | $1.1B | $37.1M |
| Deposits / shares | $844.4M | $33.0M |
| Capital ratio | 11.14% (stronger) | 9.11% |
| Problem loans | 1.99% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.42% (stronger) | 1.32% |
| Loans ÷ deposits | 64.6% | 43.5% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 46.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western National Bank 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 Western National Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.