BlastPoint's Banking Scorecard
The First National Bank of Bemidji
Designations: ✓ Community bank
Bemidji, MN
3 branches across MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
- Deposits +1.9% year over year ($844.4M on the books).
- Delinquency rate 2.00%.
- Return on assets 1.42%.
- Efficiency ratio 52.16% vs a 59.73% peer average.
- Loan-to-deposit ratio 64.55% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Bemidji has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.57% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.09% below tier average
- - Delinquency Rate 1.14% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+10.1% YoY
+4.7% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.8% in tier |
| Total Loans ? |
$545.1M
+27.6% YoY
+10.1% QoQ
|
-$1.4B |
$2.0B
-0.3% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.4% in tier |
| Total Deposits ? |
$844.4M
+1.9% YoY
+1.1% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.4% in tier |
| Return on Assets ? |
1.42%
+91.0% YoY
+22.3% QoQ
|
+0.03% |
1.39%
+17.0% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
2.78%
+25.3% YoY
-0.2% QoQ
|
-1.09% |
3.87%
+6.2% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio ? |
52.16%
-23.1% YoY
-2.3% QoQ
|
-7.57% |
59.73%
-12.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
2.00%
-27.8% YoY
-12.8% QoQ
|
+1.14% |
0.87%
+11.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.0% in tier |
| Loan-to-Deposit Ratio ? |
64.55%
+25.2% YoY
+9.0% QoQ
|
-20.48% |
85.04%
-0.1% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.54%
+1.2% YoY
-3.4% QoQ
|
-3.74% |
21.27%
-1.5% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.19%
-14.4% YoY
-6.7% QoQ
|
+0.52% |
0.67%
+11.7% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
11.14%
-1.5% YoY
-0.5% QoQ
|
-3.70% |
14.84%
-0.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.18%
-11.3% YoY
+107.2% QoQ
|
-0.34% |
0.53%
+2.5% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
28% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.5%
+0.2pp YoY -0.6pp QoQ |
-3.8pp | 21.4% | 21.9% | 22.2% | 37% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
23.1%
-1.7pp YoY +2.9pp QoQ |
+9.1pp | 14.0% | 14.6% | 12.5% | 85% |
| CRE |
43.2%
+3.8pp YoY -1.0pp QoQ |
-6.9pp | 50.0% | 36.5% | 41.4% | 31% |
| 1-4 Family |
22.9%
-1.1pp YoY -1.0pp QoQ |
-3.6pp | 26.4% | 29.4% | 31.3% | 50% |
| Consumer |
5.1%
-2.2pp YoY -0.6pp QoQ |
+0.4pp | 4.7% | 4.5% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
11.1%
-0.2pp YoY -0.1pp QoQ |
-0.2pp | 11.3% | 11.0% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 16.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
110
0 YoY +2 (+1.9%) QoQ |
-204 | 313 | 55 | 482 | 10% |
| Assets per Employee ($) |
$9.8M
+10.1% YoY +2.8% QoQ |
-$677K | $10.5M | $8.6M | $8.8M | 64% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 4 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 58% |
| Nonaccrual |
2.0%
-0.7pp YoY -0.3pp QoQ |
+1.1pp | 0.8% | 1.0% | 1.0% | 92% |
| Allowance Coverage |
0.32x
+20.7% YoY +3.8% QoQ |
-18.39x | 18.71x | 20.41x | 20.23x | 2% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.9%
+7.1pp YoY +3.1pp QoQ |
+5.3pp | 12.6% | 13.1% | 11.6% | 86% |
| Cost of Funds (YTD) |
2.1%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.7% | 1.7% | 66% |
| Net Income ($, YTD) |
$7.4M
+108.7% YoY — QoQ |
-$11.8M | $19.2M | $4.5M | $40.4M | 26% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.