First Federal Bank is a full service bank serving the communities of Bemidji, Bagley, Baudette, and Walker, Minnesota.  The bank is owned by Great River Holding Company, a federal savings bank holding company governed by the Office of Thrift Supervision. 
 
Great River Holding Company also owns First Federal Savings Bank, a full service bank serving the communities of Baxter, Benson, Big Lake, Breckenridge, Crosslake, and Morris, Minnesota.  First Federal Savings Bank has two wholly owned subsidiaries, First Federal Financial, Inc. and Homeland Mortgage, LLC, located in Morris, Minnesota.  First Federal Financial, Inc. is a full service brokerage company.  Homeland Mortgage, LLC originates and processes residential real estate loans for First Federal Savings Bank, First Federal Bank, and other non-affiliated community banks.
 
First Federal offers a wide range of bank products and services to individuals and businesses.  We take pride in our high level of personal customer service.  We understand the need to be responsive, innovative, and flexible.  Most of all, we understand the importance of knowing you and understanding your personal and businesses financial needs.
 
Our employees and shareholders reside in the communities we serve, and therefore, we understand the needs of our communities.  We place a high degree of importance on the uniqueness of each community.  We are more than your bankers.  We are your friends and your neighbors.
 
If you bank with us now, thank you for your business.  We appreciate the opportunity to serve you.
 
If you do not bank with us yet, we welcome the opportunity to be a partner in your financial success.

Your Bankers.  Your Neighbors.  Your Friends.