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Overview / Commentary
1600 Paul Bunyan Dr
Bemidji, MN 56601

First National Bank Bemidji is headquartered in Bemidji and is the 16th largest bank in the state of Minnesota. It is also the 1,108th largest bank in the nation. It was established in 1897 and as of December of 2017, it had grown to 113 employees at 4 locations. First National Bank Bemidji's CD rates are 68% higher than the national average, and it has an A health rating.

Reviews (1)


The bank tellers are all friendly inside and at the outside window. The only thing that I didn't like was that there was a fee if the saving's account balance dropped below a certain amount. I was charged a fee so I ended my saving's account, not wanting to deal with the hassle of a fee.


Health Grade Components

FDIC Certificate #5093
Year Established1897
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.89%
Return on Equity - YTD13.57%
Annual Interest Income$25.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$668.3MM$675.8MM
LoansQ4 2017vs Q4 2016$407.2MM$381.2MM
DepositsQ4 2017vs Q4 2016$487.6MM$487.1MM
Equity CapitalQ4 2017vs Q4 2016$97.1MM$90.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.1MM$1.9MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.8MM$2.1MM
Real Estate OwnedQ4 2017vs Q4 2016$454.00K$487.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank Bemidji Savings Account Rates

2.02%*$50k*-Health Savings Account
OTHER TIERS: 0.50% Up to $5k | 1.26% $5k - $15k | 1.51% $15k - $25k | 1.92% $25k - $50k
0.25%--Young Investor Savings
0.25%$200-Statement Savings
0.25%$50-Thrift Savings

First National Bank Bemidji Money Market Rates

0.45%*$250k*-First Insured Money Market
OTHER TIERS: 0.25% Up to $1k | 0.30% $1k - $10k | 0.35% $10k - $25k | 0.40% $25k - $250k

First National Bank Bemidji Checking Account Rates

0.25%$800-First Plus Checking

First National Bank Bemidji CD Rates

2.37%*$25k*$100k5 Year CD
OTHER TIERS: 2.02% $1k - $10k | 2.17% $10k - $25k
2.22%*$25k*$100k4 Year CD
OTHER TIERS: 1.86% $1k - $10k | 2.02% $10k - $25k
2.07%*$25k*$100k4 Year One-Up CD
OTHER TIERS: 1.66% $1k - $10k | 1.86% $10k - $25k
1.96%*$25k*$100k3 Year CD
OTHER TIERS: 1.56% $500 - $10k | 1.76% $10k - $25k
1.86%*$25k*$100k30 Month CD
OTHER TIERS: 1.51% $500 - $10k | 1.71% $10k - $25k
1.76%*$25k*$100k2 Year CD
OTHER TIERS: 1.31% $500 - $10k | 1.51% $10k - $25k
1.61%*$25k*$100k2 Year One-Up CD
OTHER TIERS: 1.26% $500 - $10k | 1.46% $10k - $25k
1.56%*$25k*$100k18 Month CD
OTHER TIERS: 1.21% $500 - $10k | 1.41% $10k - $25k
1.51%*$25k*$100k1 Year CD
OTHER TIERS: 1.16% $500 - $10k | 1.36% $10k - $25k
1.40%*$25k*$100k182 Day CD
OTHER TIERS: 1.10% $1k - $10k | 1.25% $10k - $25k
1.21%*$25k*$100k91 Day CD
OTHER TIERS: 0.90% $1k - $10k | 1.05% $10k - $25k

First National Bank Bemidji IRA Rates

2.02%*$10k*-18 Month Fixed IRA
OTHER TIERS: 1.51% $1k - $10k
1.26%$100-18 Month Variable IRA

First National Bank Bemidji Locations
The First National Bank Of Bemidji1600 Paul Bunyan DrBemidji, MN 56601
Express Branch429 Minnesota AvenueBemidji, MN 56619
South Branch607 Washington Avenue SBemidji, MN 56601