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Regulatory profile
Bemidji, MN · FDIC certificate #5093 · RSSD 363657
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $1.1B | $0.8B | $0.5B | 1.42% | 17.92% | 2.78% |
| 2026-03-31 | $1.0B | $0.8B | $0.5B | 1.16% | 14.78% | 2.79% |
| 2025-12-31 | $1.0B | $0.8B | $0.5B | 1.00% | 13.67% | 2.53% |
| 2025-09-30 | $1.0B | $0.8B | $0.4B | 0.91% | 12.82% | 2.38% |
| 2022-06-30 | $1.0B | $0.8B | $0.4B | 1.36% | 17.11% | 2.67% |
| 2021-09-30 | $1.0B | $0.9B | $0.4B | 2.11% | 16.71% | 3.19% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1123876 · 1997-12-26 to current
Unmatched RSSD entityRSSD 1123876 · 1994-04-30 to 1997-12-25
Unmatched RSSD entityRSSD 1123876 · 1992-12-18 to 1994-04-29
Unmatched RSSD entityRSSD 1123876 · 1977-12-31 to 1992-12-17
Unmatched RSSD entityRSSD 1123876 · 1975-06-10 to 1977-12-30
None matched.
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.