Great North Bank
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Data as of · sourced from FFIEC call reports. How we update
Great North Bank is an FDIC-insured commercial bank headquartered in Florence, WI, established in 1891 (FDIC certificate 15146), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $233.4M, up 28.4% from Q2 2025, the 114th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.99% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15146
- Headquarters
- Florence, WI
- Established
- 1891
- Total assets, Q2 2026
- $233.4M
- Assets vs Q2 2025
- +28.4%
- CET1 ratio, Q2 2026
- 12.99%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091505242
- Latest call report
- Q2 2026, FFIEC 041 · Great North Bank call report
- Holding company
- MULTI-BANK SERVICES, LTD.
- Asset rank in state
- 114th of 153 in Wisconsin
Great North Bank spends more to run itself than most banks of its size. The Florence, Wisconsin bank had $233 million in assets at June 30, 2026, up 28.4% from a year earlier. It loses about $0.40 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 96 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $227,000 in the quarter. Over the same year, loans grew 53.1% and deposits grew 28.9%. Funding is the softer spot: it pays an average of 3.11% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Great North Bank reported a CET1 capital ratio of 12.99%, a return on assets of -0.40%, a nonperforming-loan ratio of 1.40% and a Texas ratio of 10.93%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Great North Bank is the 114th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.2% to $233.4M, loans rose 8.0% and deposits rose 2.4%. 1-4 family residential loans made up 65.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 10.3%. Its 3 offices in the FDIC Summary of Deposits are in Florence, WI, Niagara, WI and Eagle River, WI; its Florence office books 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Great North Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 541 Central Ave, Florence, WI 54121
- County
- Florence
- Metro Area
- Iron Mountain, MI-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1891
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $174.4M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $798K
- Average total assets
- $226.0M
- Average total loans
- $143.3M
- Average interest-bearing deposits
- $157.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 16, 1935
- FDIC Cert
- 15146
- Fed RSSD
- 576354
- SEC CIK
- 1549513 → filed by MULTI-BANK SERVICES, LTD.
- Website
- www.greatnorthbank.com →
- Parent Holding Company
- MULTI-BANK SERVICES, LTD. (RSSD 5812767)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Great North Bank's total assets moved between a low of $145.7M (Q3 2023) and a high of $233.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$233.4M total assets against $181.7M; $198.6M total liabilities against $149.4M.
$153.9M net loans and leases against $100.2M; $174.4M total deposits against $135.3M.
$39.6M securities against $43.7M; $8.6M cash and balances due against $6.9M.
$3.7M total interest income against $2.6M; $1.5M total interest expense against $1.1M.
$2.3M net interest income against $1.5M.
$1.5M total noninterest income against $1.1M; $3.7M total noninterest expense against $2.9M.
$415K provision for credit losses against $183K.
-$227K net income against -$430K.
-0.40% return on assets against -0.97%; 4.63% net interest margin against 3.73%.
12.99% CET1 capital ratio against 15.36%; 8.84% tier 1 leverage ratio against 10.59%.
Inside the full Great North Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGreat North Bank rankings
Its closest position to the top of a national ranking is 559 of 3,640, for Texas Ratio; its furthest is 3,547 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.37% (Q1 2026) to 0.71% (Q4 2024) and its net interest margin ran from 3.65% (Q1 2025) to 4.73% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.99% | -0.40% | 1.40% | 10.93% | 4.63% |
| Q1 2026 | 14.24% | -1.37% | 1.51% | 11.33% | 3.68% |
| Q4 2025 | 13.63% | 0.00% | 1.40% | 10.27% | 4.19% |
| Q3 2025 | 14.19% | 0.58% | 1.17% | 8.01% | 4.73% |
| Q2 2025 | 15.36% | -0.97% | 1.60% | 9.39% | 3.73% |
| Q1 2025 | 17.20% | -0.39% | 1.44% | 6.97% | 3.65% |
| Q4 2024 | 17.79% | 0.71% | 2.69% | 11.59% | 4.10% |
| Q3 2024 | 17.67% | -0.32% | 2.20% | 9.40% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Great North Bank (main office) | Florence , WI | 54121 | $126.0M |
| Aurora Branch | Niagara , WI | 54151 | $25.1M |
| Eagle River Branch | Eagle River , WI | 54521 | $23.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 130 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $220K approved, $220K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Great North Bank
What are Great North Bank's total assets?
As of the Q2 2026 filing, Great North Bank reported total assets of $233.4 million in its FFIEC call report.
Where is Great North Bank headquartered?
It is headquartered in Florence, WI, United States.
When was Great North Bank founded?
It was established in 1891, per the FDIC institution directory.
Is Great North Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Great North Bank?
Great North Bank's primary federal regulator is the FDIC.
What is Great North Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.99% in its Q2 2026 call report, above regulatory requirements.
How many branches does Great North Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Great North Bank's Texas Ratio?
Its Texas Ratio is 10.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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