Bank Safety Analysis
Is North American Banking Company Safe? Roseville, Minnesota
Based on its Q3 2026 call report, North American Banking Company meets every capital ratio test for well capitalized, its Texas ratio is 4.45%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is North American Banking Company safe?
On its Q3 2026 call report, North American Banking Company's CET1 ratio is 15.74%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 15.74%
- Tier 1 leverage ratio (Q3 2026): 9.25%
- Texas ratio (Q3 2026): 4.45%
- Noncurrent loans ratio (Q3 2026): 0.52%
North American Banking Company is an FDIC-insured commercial bank (FDIC Certificate #34836). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report North American Banking Company (FDIC Certificate #34836) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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North American Banking Company passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: uninsured deposit share and commercial real estate to capital.
Return on assets climbed 0.50 percentage points in Q3 2026, from 2.26% to 2.76%. It was the largest change from Q2 2026 among the key lines here. Within Minnesota, North American Banking Company is 56th of 148 on CET1 ratio, 15.74% as of Q3 2026. The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. North American Banking Company sits 2.14 points higher, at 15.74% (Q3 2026).
From Q4 2023 to Q3 2026, North American Banking Company's CET1 ratio ranged between 12.98% (Q4 2024) and 15.74% (Q3 2026) and its Texas ratio ranged between 3.29% (Q4 2024) and 13.02% (Q1 2024). Between Q3 2025 and Q3 2026, North American Banking Company's CET1 ratio rose from 14.32% to 15.74%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.46% to 0.52%, Texas ratio fell from 5.15% to 4.45% and return on assets rose from 1.71% to 2.76%.
North American Banking Company ranks as the 12th largest of the 221 banks based in Minnesota, by total assets at Q3 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $232.1M of $765.8M in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, North American Banking Company's CET1 ratio of 15.74% is above the 13.60% median, Tier 1 leverage ratio of 9.25% is below the 10.54% median, nonperforming loans ratio of 0.52% is below the 0.54% median, Texas ratio of 4.45% is above the 3.95% median, and efficiency ratio of 45.64% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
North American Banking Company's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does North American Banking Company score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does North American Banking Company trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 15.74% | Within range |
| Texas ratio BankRegReports band | 4.45% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.52% | Within range |
| Uninsured deposit share BankRegReports band | 82.07% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 68.70% | Within range |
| Commercial real estate to capital supervisory threshold | 226.36% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 15.74% |
| Q2 2026 | 14.63% |
| Q1 2026 | 14.42% |
| Q4 2025 | 14.25% |
| Q3 2025 | 14.32% |
| Q2 2025 | 13.73% |
| Q1 2025 | 13.47% |
| Q4 2024 | 12.98% |
| Q3 2024 | 13.19% |
| Q2 2024 | 13.64% |
| Q1 2024 | 13.21% |
| Q4 2023 | 13.02% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 4.45% |
| Q2 2026 | 3.99% |
| Q1 2026 | 4.30% |
| Q4 2025 | 3.59% |
| Q3 2025 | 5.15% |
| Q2 2025 | 5.72% |
| Q1 2025 | 6.48% |
| Q4 2024 | 3.29% |
| Q3 2024 | 9.40% |
| Q2 2024 | 12.36% |
| Q1 2024 | 13.02% |
| Q4 2023 | 12.34% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $232.1M
- Commercial and industrial loans: $136.6M
- Owner-occupied commercial real estate loans: $131.0M
- 1-4 family residential loans: $93.6M
- Multifamily loans: $60.1M
- Construction and land development loans: $55.2M
- Loans to nondepository financial institutions: $31.3M
- Loans to states and political subdivisions: $13.6M
How have North American Banking Company's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $1.39B | 15.74% | 9.25% | 0.52% | 4.45% | 45.64% |
| Jun 30, 2026 | $1.47B | 14.63% | 8.91% | 0.51% | 3.99% | 48.06% |
| Mar 31, 2026 | $1.45B | 14.42% | 8.47% | 0.53% | 4.30% | 51.29% |
| Dec 31, 2025 | $1.46B | 14.25% | 8.57% | 0.44% | 3.59% | 52.92% |
| Sep 30, 2025 | $1.41B | 14.32% | 8.65% | 0.46% | 5.15% | 52.11% |
| Jun 30, 2025 | $1.40B | 13.73% | 8.79% | 0.46% | 5.72% | 59.84% |
| Mar 31, 2025 | $1.37B | 13.47% | 8.49% | 0.49% | 6.48% | 63.15% |
| Dec 31, 2024 | $1.36B | 12.98% | 8.40% | 0.07% | 3.29% | 60.19% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is North American Banking Company FDIC insured?
Yes. North American Banking Company is an FDIC-insured commercial bank (FDIC Certificate #34836). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is North American Banking Company well capitalized?
On its Q3 2026 call report, North American Banking Company's CET1 ratio is 15.74%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are North American Banking Company's key safety ratios?
For Q3 2026, North American Banking Company reports CET1 15.74%, leverage 9.25%, Texas ratio 4.45%, noncurrent loans 0.52%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if North American Banking Company fails?
For Q3 2026, North American Banking Company reported $1.11B in total deposits, 82.07% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full North American Banking Company profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio North American Banking Company is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 34836) · FFIEC NIC profile (RSSD 2631846)
Explore: Full North American Banking Company profile · Other banks in MN · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.