BanksNORTHERN STATE BANK

NORTHERN STATE BANK

ASHLAND, WISmallEst. Sept. 5, 1933, midnightFDIC #15242RSSD #625757FDIC
Latest · 2025-12-31

NORTHERN STATE BANK is an 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%. CET1 capital ratio: 17.67%, well above regulatory minimums. NPL ratio: 0.88% · Texas Ratio: 3.86%. Operates 7 domestic branches.

Assets
$331M
Deposits
$297M
Loans
$155M
Equity
$34M

Profitability

Return on Assets (ROA)1.77%
Return on Equity (ROE)17.50%
Net Interest Margin4.01%
Yield on Assets5.33%
Cost of Funds1.36%

Asset Quality

NPL Ratio0.88%
Net Charge-Off Ratio0.30%
Texas Ratio3.86%
NPA Ratio0.41%
ACL / Loans1.00%

Capital & Liquidity

CET1 Ratio17.67%
Tier 1 Capital17.67%
Total Capital Ratio18.57%
Leverage Ratio9.94%
Loan-to-Deposit52.17%

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