Bank · FDIC insured
First National Bank Bemidji
A $1.1B bank headquartered in Bemidji, MN, with 2 branches in Minnesota. Best rates: CDs 3.91% and savings 1.38% APY.
First National Bank Bemidji Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#3 of 8 in Bemidji, MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank Bemidji
Founded as a family business over a century ago, First National Bank Bemidji is an employee-owned local bank.
It serves families and businesses in Bemidji and surrounding communities.
- Headquarters
- 1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
- FDIC certificate
- 5093 ↗
Branches
2 branches in Minnesota
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Minnesota
2 branches
- The First National Bank of BemidjiMain office1600 Paul Bunyan Dr Nw, Bemidji, MN 56601Directions
- South Branch607 Washington Ave S, Bemidji, MN 56601Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.14% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.99% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.42% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $65 | $88 | — |
- CapitalLeverage ratio11.14%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.99%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$65Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank Bemidji are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.