🏦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

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

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)
What is a CRA rating? →
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%

ROE

14.78%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

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

10 previous ratings locked — dating 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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