Bank Comparison
The Northern State Bank of Gonvick vs Lamont Bank of St. John
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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13 · 3
winning metrics across 16 scored rows
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Capital adequacy
| Metric | The Northern State Bank of Gonvick | Lamont Bank of St. John |
|---|---|---|
| CET1 Ratio | 46.18% | 2.67% |
| Tier 1 Capital Ratio | 46.18% | 2.67% |
| Total Capital Ratio | 47.46% | 3.97% |
| Tier 1 Leverage Ratio | 15.75% | 2.44% |
| Equity / Assets | 16.02% | 1.28% |
Profitability
| Metric | The Northern State Bank of Gonvick | Lamont Bank of St. John |
|---|---|---|
| Return on Assets (ROA) | 1.61% | -2.03% |
| Return on Equity (ROE) | 10.41% | -138.79% |
| Net Interest Margin (NIM) | 3.08% | 2.41% |
| Yield on Earning Assets | 4.88% | 4.01% |
| Cost of Funds | 2.05% | 1.74% |
Asset quality
| Metric | The Northern State Bank of Gonvick | Lamont Bank of St. John |
|---|---|---|
| Texas Ratio | 2.22% | 563.88% |
| Non-Performing Loan Ratio | 0.71% | 48.61% |
| Non-Performing Asset Ratio | 0.27% | 34.17% |
| Net Charge-Off Ratio | -0.02% | -0.45% |
| ACL / Loans | 3.03% | 7.13% |
Balance sheet
| Metric | The Northern State Bank of Gonvick | Lamont Bank of St. John |
|---|---|---|
| Total Assets | $50.6M | $50.7M |
| Total Deposits | $42.3M | $49.7M |
| Total Loans | $19.3M | $35.1M |
| Total Equity | $8.1M | $647K |
| Net Income (quarter) | $209K | ($267K) |
Liquidity & funding
| Metric | The Northern State Bank of Gonvick | Lamont Bank of St. John |
|---|---|---|
| Loan-to-Deposit Ratio | 45.74% | 70.62% |
| Core Deposit Ratio | 96.79% | 93.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Northern State Bank of Gonvick | Lamont Bank of St. John |
|---|---|---|
| Headquarters City | Gonvick | Saint John |
| Headquarters State | MN | WA |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 6 |
| Established | May 12, 1928 | January 1, 1908 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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