🏦Bank Scorer

THE FIRST NATIONAL BANK OF BEMIDJI

BEMIDJI, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1897FDIC #5,093
Satisfactory Same

Current rating · Exam: July 2025

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.16%

Institution Profile

FDIC BankFind

Address

1600 Paul Bunyan Dr Nw, BEMIDJI, MN

County

Beltrami County

Established

November 27, 1897

Total Assets

$1.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 21, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$836M

Net Loans

$495M

Net Income

$3M

ROA

1.16%

Above avg for Community banks. Peer avg: 0.90%

ROE

14.78%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.16%Peer avg: 0.90%▲ Above avg
Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$829M

1-Year Change

-1

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

Exam DateRatingExam Type
Jul 2025SatisfactoryIntermediate Small Bank
Aug 2022SatisfactoryIntermediate Small Bank
Sep 2018SatisfactoryIntermediate Small Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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