NORTHERN STATE BANK OF THIEF RIVER FALLS

THIEF RIVER FALLS, MN | Small | Est. Aug. 24, 1935, midnight | FDIC #15286 | RSSD #188056 | FDIC
Latest Report: 2025-12-31

NORTHERN STATE BANK OF THIEF RIVER FALLS is asn small FDIC-insured commercial bank headquartered in THIEF RIVER FALLS, MN, established in Aug. 24, 1935, midnight. As of 2025-12-31, the bank reported total assets of $494M and total deposits of $445M. Profitability stands at 1.10% ROA and 10.60% ROE, with a net interest margin of 2.78%. The bank's CET1 capital ratio is 23.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.20%. FDIC Certificate #15286.

Assets

$494M

Deposits

$445M

Loans

$199M

Equity

$48M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 10.60%
Net Interest Margin (NIM) 2.78%
Yield on Assets 5.37%
Cost of Funds 2.67%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.20%
NPA Ratio 0.02%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 23.36%
Tier 1 Capital 23.36%
Total Capital Ratio 24.61%
Leverage Ratio 9.91%
Loan-to-Deposit 44.72%

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