North American Banking Company
North American Banking Company is an FDIC-insured commercial bank headquartered in Roseville, MN, supervised by the Federal Reserve, with $1.39B in total assets at Q3 2026, down 0.9% from Q3 2025, the 12th largest of 221 banks headquartered in Minnesota. It was established in 1998 and holds FDIC certificate 34836. Its CET1 capital ratio was 15.74% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34836
- Headquarters
- Roseville, MN
- Established
- 1998
- Total assets, Q3 2026
- $1.39B
- Assets vs Q3 2025
- -0.9%
- CET1 ratio, Q3 2026
- 15.74%
- Domestic offices
- 6 branches
- Routing number
- 096016930
- Safety and soundness
- Is North American Banking Company safe?
- Latest call report
- Q3 2026, FFIEC 041 · North American Banking Company call report
- Holding company
- N.A. CORPORATION
- Asset rank in state
- 12th of 221 in Minnesota
North American Banking Company is one of the more profitable banks of its size. It reported $1.4 billion in assets at September 30, 2026. It earns about $2.76 a year on every $100 of assets, about double the median of $1.32 for the 887 banks with $1 billion to $10 billion in assets. On the other hand, it keeps 2.93 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.80 cents). Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $11 million, 71% above the same quarter a year earlier. Its securities portfolio is underwater by $56 million, an amount equal to 39% of Tier 1 capital. Funding is the softer spot: it holds most of its deposits (82%) above the FDIC insurance limit, 2.6 times the median of 31.1% for banks its size.
As of September 30, 2026, North American Banking Company reported a CET1 capital ratio of 15.74%, a return on assets of 2.76%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 4.45%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, North American Banking Company is the 12th largest of the 221 banks headquartered in Minnesota. Between Q2 2026 and Q3 2026, its total assets fell 5.4% to $1.39B, loans fell 2.2% and deposits rose 2.7%. The largest part of its loan book on September 30, 2026 was non-owner-occupied commercial real estate loans, at 30.3% of total loans, ahead of commercial and industrial loans at 17.8%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in MN; its Roseville office books 85% of its branch deposits. By the capital ratios in its Q3 2026 call report, North American Banking Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2230 Albert St N, Roseville, MN 55113
- County
- Ramsey
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 21, 1998
- Domestic offices
- 6 branches
- Employees (FTE)
- 105
- Domestic deposits
- $1.11B
- Allowance for credit losses
- $9.5M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $1.56B
- Average total loans
- $779.0M
- Average interest-bearing deposits
- $609.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 21, 1998
- FDIC Cert
- 34836
- Fed RSSD
- 2631846
- SEC CIK
- 1636747 → filed by N.A. CORPORATION
- Website
- www.nabankco.com →
- Parent Holding Company
- N.A. CORPORATION (RSSD 2631798)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, North American Banking Company's total assets ranged from $1.25B (Q2 2024) to $1.47B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.39B total assets against $1.41B; $1.30B total liabilities against $1.31B.
$756.3M net loans and leases against $752.1M; $1.11B total deposits against $1.13B.
$445.8M securities against $419.8M; $53.3M cash and balances due against $130.3M.
$17.2M total interest income against $15.8M; $6.3M total interest expense against $7.4M.
$10.8M net interest income against $8.4M.
$9.3M total noninterest income against $5.2M; $9.2M total noninterest expense against $7.1M.
$200K provision for credit losses against $200K.
$10.7M net income against $6.3M.
2.76% return on assets against 1.71%; 2.93% net interest margin against 2.39%.
15.74% CET1 capital ratio against 14.32%; 9.25% tier 1 leverage ratio against 8.65%.
Inside the full North American Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
North American Banking Company rankings
Its closest position to the top of a national ranking is 7 of 973, for uninsured deposits; its furthest is 1,528 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.93% (Q1 2025) to 2.76% (Q3 2026) and its net interest margin ran from 1.95% (Q1 2025) to 3.00% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.74% | 2.76% | 0.52% | 4.45% | 2.93% |
| Q2 2026 | 14.63% | 2.26% | 0.51% | 3.99% | 3.00% |
| Q1 2026 | 14.42% | 1.79% | 0.53% | 4.30% | 2.78% |
| Q4 2025 | 14.25% | 1.94% | 0.44% | 3.59% | 2.69% |
| Q3 2025 | 14.32% | 1.71% | 0.46% | 5.15% | 2.39% |
| Q2 2025 | 13.73% | 1.23% | 0.46% | 5.72% | 2.15% |
| Q1 2025 | 13.47% | 0.93% | 0.49% | 6.48% | 1.95% |
| Q4 2024 | 12.98% | 1.33% | 0.07% | 3.29% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| North American Banking Company (main office) | Roseville , MN | 55113 | $921.0M |
| Woodbury Branch | Woodbury , MN | 55125 | $63.8M |
| North American Banking Company (main office) | Minneapolis , MN | 55410 | $58.2M |
| Shoreview Office Branch | Shoreview , MN | 55126 | $30.0M |
| North American Banking Company (main office) | Hastings , MN | 55033 | $9.5M |
| Maple Grove Branch | Maple Grove , MN | 55369 | $3.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 15, 2022, Federal Reserve: Civil Money Penalty: North American Banking Company, Roseville, Minnesota
- Period: Most recent institution action June 15, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MN, rank 24 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 19 applications, 15 loans originated, $5.9M originated, across 4 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.4M approved, $463K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 North American Banking Company
What are North American Banking Company's total assets?
As of the Q3 2026 filing, North American Banking Company reported total assets of $1.39 billion in its FFIEC call report.
Where is North American Banking Company headquartered?
It is headquartered in Roseville, MN, United States.
When was North American Banking Company founded?
It was established in 1998, per the FDIC institution directory.
Is North American Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34836). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North American Banking Company?
North American Banking Company's primary federal regulator is the Federal Reserve.
What is North American Banking Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.74% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does North American Banking Company operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North American Banking Company's Texas Ratio?
Its Texas Ratio is 4.45% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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