NORTHERN STATE BANK OF GONVICK, THE

GONVICK, MN | Micro | Est. May 12, 1928, midnight | FDIC #10187 | RSSD #75455 | FDIC
Latest Report: 2025-12-31

NORTHERN STATE BANK OF GONVICK, THE is amn micro FDIC-insured commercial bank headquartered in GONVICK, MN, established in May 12, 1928, midnight. As of 2025-12-31, the bank reported total assets of $55M and total deposits of $46M. Profitability stands at 1.42% ROA and 8.90% ROE, with a net interest margin of 3.07%. The bank's CET1 capital ratio is 46.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 1.65%. FDIC Certificate #10187.

Assets

$55M

Deposits

$46M

Loans

$18M

Equity

$8M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 8.90%
Net Interest Margin (NIM) 3.07%
Yield on Assets 5.32%
Cost of Funds 3.09%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.65%
NPA Ratio 0.26%
ACL / Loans 3.24%

Capital & Liquidity

CET1 Ratio 46.53%
Tier 1 Capital 46.53%
Total Capital Ratio 47.80%
Leverage Ratio 14.85%
Loan-to-Deposit 38.99%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required