NORTHERN STATE BANK

ASHLAND, WI | Small | Est. Sept. 5, 1933, midnight | FDIC #15242 | RSSD #625757 | FDIC
Latest Report: 2025-12-31

NORTHERN STATE BANK is asn small FDIC-insured commercial bank headquartered in ASHLAND, WI, established in Sept. 5, 1933, midnight. As of 2025-12-31, the bank reported total assets of $331M and total deposits of $297M. Profitability stands at 1.77% ROA and 17.50% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 17.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.88% and a Texas Ratio of 3.86%. FDIC Certificate #15242.

Assets

$331M

Deposits

$297M

Loans

$155M

Equity

$34M

Profitability

Return on Assets (ROA) 1.77%
Return on Equity (ROE) 17.50%
Net Interest Margin (NIM) 4.01%
Yield on Assets 5.33%
Cost of Funds 1.36%

Asset Quality

NPL Ratio 0.88%
Net Charge-Off Ratio 0.30%
Texas Ratio 3.86%
NPA Ratio 0.41%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 17.67%
Tier 1 Capital 17.67%
Total Capital Ratio 18.57%
Leverage Ratio 9.94%
Loan-to-Deposit 52.17%

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