B
The First National Bank of Bemidji
BemidjiMN
Rating Date
March 2026
Risk Based
Capital Ratio
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Leverage
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Return On
Assets
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Capital
Total
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Net
Income
Weiss Ratings The First National Bank of Bemidji
Bemidji, MN
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Rating B
Asset Quality Index 5.20
Capitalization Index 10.00
Liquidity Index 4.00
Profitability Index 4.00
Stability Index 6.50
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 7.04%
5-Year Asset Growth 5.47%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 1.59%
Non-Performing Loans to Capital 10.96%
Non-Performing Loans to Loans 3.06%
Balance Sheet The First National Bank of Bemidji
Bemidji, MN
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Total Assets 1.01B
Total Deposits 848.76M
Capital and Reserves The First National Bank of Bemidji
Bemidji, MN
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Capital 82.44M
Leverage Ratio 11.04
Loan Loss Reserves to Loans 0.72%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Bemidji
Bemidji, MN
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Hot Money Ratio 29.50%
Liquidity Ratio 30.77%
Profitability The First National Bank of Bemidji
Bemidji, MN
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5-Year Return on Average Assets 1.36%
Net Income 9.71M
Net Interest Spread 2.66%
Operating Profit to Average Assets 1.03%
Overhead Efficiency Ratio 58.98%
Return on Assets 0.95%
Return on Equity 13.82%