B
The First National Bank of Bemidji
Bemidji,  MN
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First National Bank of Bemidji
Bemidji, MN
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Rating B
Asset Quality Index 5.30
Capitalization Index 10.00
Liquidity Index 3.80
Profitability Index 5.30
Stability Index 6.40
Company Info The First National Bank of Bemidji
Bemidji, MN
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FDIC Number 5093
Phone Number (218) 751-2430
Website www.fnbbemidji.com
Asset Quality The First National Bank of Bemidji
Bemidji, MN
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1-Year Asset Growth 10.13%
5-Year Asset Growth 5.47%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.45%
Non-Performing Loans to Capital 10.01%
Non-Performing Loans to Loans 2.50%
Balance Sheet The First National Bank of Bemidji
Bemidji, MN
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Total Assets 1.08B
Total Deposits 844.39M
Capital and Reserves The First National Bank of Bemidji
Bemidji, MN
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Capital 87.03M
Leverage Ratio 11.14
Loan Loss Reserves to Loans 0.65%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Bemidji
Bemidji, MN
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Hot Money Ratio 28.66%
Liquidity Ratio 24.91%
Profitability The First National Bank of Bemidji
Bemidji, MN
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5-Year Return on Average Assets 1.12%
Net Income 7.40M
Net Interest Spread 2.92%
Operating Profit to Average Assets 1.51%
Overhead Efficiency Ratio 52.16%
Return on Assets 1.39%
Return on Equity 18.15%