NORTHERN INTERSTATE BANK, NATIONAL ASSOCIATION

NORWAY, MI | Small | Est. June 12, 1901, midnight | FDIC #13784 | RSSD #289056 | OCC
Latest Report: 2025-12-31

NORTHERN INTERSTATE BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in NORWAY, MI, established in June 12, 1901, midnight. As of 2025-12-31, the bank reported total assets of $191M and total deposits of $169M. Profitability stands at 0.63% ROA and 10.98% ROE, with a net interest margin of 2.96%. The bank's CET1 capital ratio is 5.77%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.44%. FDIC Certificate #13784.

Assets

$191M

Deposits

$169M

Loans

$79M

Equity

$11M

Profitability

Return on Assets (ROA) 0.63%
Return on Equity (ROE) 10.98%
Net Interest Margin (NIM) 2.96%
Yield on Assets 4.15%
Cost of Funds 1.17%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio -0.03%
Texas Ratio 1.44%
NPA Ratio 0.09%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 5.77%
Tier 1 Capital 5.77%
Total Capital Ratio 6.06%
Leverage Ratio 9.30%
Loan-to-Deposit 46.78%

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