BanksNORTHERN STATE BANK OF GONVICK, THE

NORTHERN STATE BANK OF GONVICK, THE

GONVICK, MNMicroEst. May 12, 1928, midnightFDIC #10187RSSD #75455FDIC
Latest · 2025-12-31

NORTHERN STATE BANK OF GONVICK, THE is an 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%. CET1 capital ratio: 46.53%, well above regulatory minimums. NPL ratio: 0.78% · Texas Ratio: 1.65%. Operates 1 domestic branch.

Assets
$55M
Deposits
$46M
Loans
$18M
Equity
$8M

Profitability

Return on Assets (ROA)1.42%
Return on Equity (ROE)8.90%
Net Interest Margin3.07%
Yield on Assets5.32%
Cost of Funds2.47%

Asset Quality

NPL Ratio0.78%
Net Charge-Off Ratio0.02%
Texas Ratio1.65%
NPA Ratio0.26%
ACL / Loans3.24%

Capital & Liquidity

CET1 Ratio46.53%
Tier 1 Capital46.53%
Total Capital Ratio47.80%
Leverage Ratio14.85%
Loan-to-Deposit38.99%

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