BlastPoint's Banking Scorecard

The First National Bank of Bemidji

$1B-$10B Specialty: Commercial MN FDIC cert 5093

Designations: ✓ Community bank

Bemidji, MN

3 branches across MN

884 banks in the $1B-$10B peer group nationally 16 in MN

The First National Bank of Bemidji has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 7.65% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.41% above tier average
- ROA 0.20% below tier average
- Net Interest Margin 1.03% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$1.0B +10.7% YoY +1.8% QoQ	-$1.8B	$2.8B -0.1% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 3.1% in tier
Total Loans ?	$494.9M +21.8% YoY +6.7% QoQ	-$1.5B	$2.0B +0.6% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 2.7% in tier
Total Deposits ?	$835.5M +4.3% YoY -1.6% QoQ	-$1.5B	$2.3B -0.3% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 3.4% in tier
Return on Assets ?	1.16% +237.1% YoY +16.7% QoQ	-0.20%	1.37% +19.6% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	2.79% +51.9% YoY +10.2% QoQ	-1.03%	3.82% +6.9% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 10.5% in tier
Efficiency Ratio ?	53.41% -34.3% YoY -9.5% QoQ	-7.65%	61.06% -4.6% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	2.30% -19.3% YoY -7.5% QoQ	+1.41%	0.89% +14.1% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 7.8% in tier
Loan-to-Deposit Ratio ?	59.23% +16.7% YoY +8.3% QoQ	-24.98%	84.20% +0.3% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 6.9% in tier
Non-Interest-Bearing Deposit Share ?	18.14% +5.6% YoY +0.3% QoQ	-3.15%	21.29% -2.5% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	1.28% -11.1% YoY -2.9% QoQ	+0.60%	0.67% +15.6% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 14.0% in tier
Tier 1 Capital Ratio ?	11.19% -0.6% YoY +1.4% QoQ	-3.97%	15.16% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.09% -24.5% YoY -77.7% QoQ	-0.17%	0.26% +1.6% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 59.23%

Peer Median: 84.20%

#62 of 884 Top 6.9% in $1B-$10B

Top Weaknesses (7 metrics)

861

Total Loans

size

Value: $494.89M

Peer Median: $1.96B

#861 of 884 Bottom 2.7% in $1B-$10B

858

Total Assets

size

Value: $1.03B

Peer Median: $2.82B

#858 of 884 Bottom 3.1% in $1B-$10B

855

Total Deposits

size

Value: $835.55M

Peer Median: $2.34B

#855 of 884 Bottom 3.4% in $1B-$10B

812

Delinquency Rate

credit_quality

Value: 2.30%

Peer Median: 0.89%

#812 of 880 Bottom 7.8% in $1B-$10B

792

Net Interest Margin

profitability

Value: 2.79%

Peer Median: 3.82%

#792 of 884 Bottom 10.5% in $1B-$10B

761

Nonperforming Asset Ratio

credit_quality

Value: 1.28%

Peer Median: 0.67%

#761 of 884 Bottom 14.0% in $1B-$10B

714

Tier 1 Capital Ratio

capital

Value: 11.19%

Peer Median: 15.16%

#714 of 884 Bottom 19.3% in $1B-$10B