Great North Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 11.39 percentage points in Q2 2026, from 44.97% to 56.35%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Great North Bank is 2nd from the bottom among 153 Wisconsin banks, -0.40% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Great North Bank reported -0.40% on return on assets in Q2 2026, 1.66 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 13.86% |
| Tier 1 leverage ratio | 8.84% |
| Equity capital to assets | 14.88% |
| Tangible equity to tangible assets | 8.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.40% |
| Non-performing assets ratio | 0.93% |
| Net charge-off ratio | 0.44% |
| Texas ratio | 10.93% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 56.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.40% |
| Return on equity | -2.63% |
| Net interest margin | 4.63% |
| Efficiency ratio | 96.16% |
| Yield on earning assets | 7.67% |
| Cost of funds | 3.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.95% |
| Core deposits to total deposits | 80.00% |
| Brokered deposits to total deposits | 15.74% |
| Deposits to assets | 74.73% |
| Securities to assets | 16.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.08% | 14.08% | 15.33% | 9.86% | 0.59% |
| Q4 2023 | 15.97% | 15.97% | 17.22% | 10.33% | 1.35% |
| Q1 2024 | 14.37% | 14.37% | 15.45% | 9.95% | 0.21% |
| Q2 2024 | 17.55% | 17.55% | 18.61% | 11.43% | -2.14% |
| Q3 2024 | 17.67% | 17.67% | 18.73% | 12.34% | -0.32% |
| Q4 2024 | 17.79% | 17.79% | 18.77% | 11.69% | 0.71% |
| Q1 2025 | 17.20% | 17.20% | 18.16% | 10.95% | -0.39% |
| Q2 2025 | 15.36% | 15.36% | 16.40% | 10.59% | -0.97% |
| Q3 2025 | 14.19% | 14.19% | 14.93% | 9.68% | 0.58% |
| Q4 2025 | 13.63% | 13.63% | 14.36% | 8.92% | -0.00% |
| Q1 2026 | 14.24% | 14.24% | 14.99% | 9.43% | -1.37% |
| Q2 2026 | 12.99% | 12.99% | 13.86% | 8.84% | -0.40% |
Great North Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Great North Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Great North Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15146) · FFIEC NIC profile (RSSD 576354)