The First National Bank of Bemidji
Bemidji, MN
IDRSSD: 363657
Total Assets
$1.03B
Latest filing
Total Deposits
$835.55M
Latest filing
Net Interest Margin
2.79%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Bemidji
1600 Paul Bunyan Dr Nw
Bemidji, MN 56601
Full Service - Brick and Mortar
Updated 04/10/2026Established 11/27/1897FDIC Certificate 3403
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Bemidji (Main) | 1600 Paul Bunyan Dr Nw | Bemidji, MN |
| SOUTH BRANCH | 607 Washington Ave S | Bemidji, MN |
| FNBBEMIDJI.COM BRANCH | 1600 Paul Bunyan Dr Nw | Bemidji, MN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 11/27/1897 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56601 |
| State and County Number | 27007 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Bemidji, MN |
Operational Info
| Number of Employees | 107 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbbemidji.com |
| Data Updated | 04/10/2026 |
| CERT | 5093 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.03B |
| Total Deposits | $835.55M |
| Total Liabilities | $952.07M |
| Total Equity Capital | $78.23M |
| Net Income | $2.97M |
| Net Loans and Leases | $494.89M |
| Assets Per Employee ($Millions) | $9.54M |
| Bank Premises and Fixed Assets | $7.76M |
| Cash and Balances due from Depository Institutions | $8.19M |
| Deposits Held in Domestic Offices | $835.55M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 14.78% |
| Net Interest Margin | 2.79% |
| Efficiency Ratio | 53.41% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.593% |
| Earning Assets to total Assets | 96.8% |
Income and Expense
| Total Interest Income | $12.04M |
| Total Noninterest Income | $916.00k |
| Total Interest Expense | $5.15M |
| Total Noninterest Expense | $4.17M |
| Net Interest Income | $6.89M |
| Pre-tax Net Operating Income | $3.43M |
| Provision for Credit Losses | $210.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.80M |
| Other borrowed funds | $41.48M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $69.90M |
| All Other Liabilities | $5.14M |
| Total Liabilities and Capital | $1.03B |
Securities
| Securities | $499.99M |
| Available-for-sale debt securities | $499.99M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Bemidji?
$1.03B as of the latest filing.
How much are The First National Bank of Bemidji's total deposits?
$835.55M in total deposits.
Where is The First National Bank of Bemidji located?
Bemidji, MN.
What is the Net Interest Margin?
2.79%.
How many domestic offices does it operate?
3.
When was it established?
11/27/1897.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$494.89M (latest filing).
What is the total interest income (latest filing)?
$12.04M.