BlastPoint's Banking Scorecard
The First National Bank of Bemidji
Community
Specialty: Commercial
MN
FDIC cert 5093
Bemidji, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
The First National Bank of Bemidji has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.40% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.14% below tier
- - Delinquency Rate 1.86% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+7.0% YoY
+0.5% QoQ
|
-$379.8M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$464.0M
+12.7% YoY
+5.5% QoQ
|
-$511.5M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$848.8M
+5.5% YoY
+1.1% QoQ
|
-$315.9M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.00%
+18.5% YoY
+10.0% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
2.53%
+6.9% YoY
+6.3% QoQ
|
-1.14% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
58.98%
-8.7% YoY
-7.2% QoQ
|
-3.65% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
2.48%
-10.5% YoY
-5.1% QoQ
|
+1.86% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
54.67%
+6.8% YoY
+4.3% QoQ
|
-28.40% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.09%
-1.4% YoY
-1.6% QoQ
|
-2.96% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.32%
-5.8% YoY
-0.4% QoQ
|
+0.82% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.40%
+4.0% YoY
+32.3% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
54.67%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.53%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.48%
(Tier avg: 0.63%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 54.67% · Tier avg: 83.06%
61
61th pctile
Efficiency Ratio
Current: 58.98% · Tier avg: 62.63%
51
51th pctile
Total Deposits
Current: $848.8M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.09% · Tier avg: 21.05%
38
38th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Total Loans
Current: $464.0M · Tier avg: $975.5M
13
13th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.48% · Tier avg: 0.63%
6
6th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.66%
7
7th pctile
Delinquency Rate
Current: 2.48% · Tier avg: 0.63%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.50%
25
25th pctile
Total Loans
Current: $464.0M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
38
38th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.09% · Tier avg: 21.05%
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $848.8M · Tier avg: $1.2B
61
61th pctile
Efficiency Ratio
Current: 58.98% · Tier avg: 62.63%
95
95th pctile
Loan-to-Deposit Ratio
Current: 54.67% · Tier avg: 83.06%