Northeast 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 389.49 percentage points lower than in Q1 2026, at 470.35%. Within Minnesota, Northeast Bank is 94th of 221 on return on assets, 1.51% as of Q2 2026. Northeast Bank reported 1.51% on return on assets for Q2 2026, 0.25 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.31% |
| Tier 1 risk-based capital ratio | 12.31% |
| Total risk-based capital ratio | 13.17% |
| Tier 1 leverage ratio | 10.13% |
| Equity capital to assets | 8.36% |
| Tangible equity to tangible assets | 8.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | -0.16% |
| Texas ratio | 2.37% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 470.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 18.26% |
| Net interest margin | 4.27% |
| Efficiency ratio | 62.25% |
| Yield on earning assets | 5.38% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.44% |
| Core deposits to total deposits | 87.85% |
| Brokered deposits to total deposits | 6.56% |
| Deposits to assets | 90.85% |
| Securities to assets | 25.20% |
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 | 13.11% | 13.11% | 14.01% | 9.83% | 1.30% |
| Q4 2023 | 12.67% | 12.67% | 13.53% | 9.80% | 0.97% |
| Q1 2024 | 12.93% | 12.93% | 13.83% | 9.53% | 1.21% |
| Q2 2024 | 13.02% | 13.02% | 13.90% | 9.84% | 1.17% |
| Q3 2024 | 13.15% | 13.15% | 14.02% | 9.95% | 1.30% |
| Q4 2024 | 12.81% | 12.81% | 13.64% | 10.05% | 1.11% |
| Q1 2025 | 12.40% | 12.40% | 13.21% | 9.62% | 1.37% |
| Q2 2025 | 11.86% | 11.86% | 12.69% | 9.53% | 1.26% |
| Q3 2025 | 11.88% | 11.88% | 12.83% | 9.52% | 1.07% |
| Q4 2025 | 11.90% | 11.90% | 12.71% | 10.03% | 0.70% |
| Q1 2026 | 11.98% | 11.98% | 12.79% | 9.86% | 1.48% |
| Q2 2026 | 12.31% | 12.31% | 13.17% | 10.13% | 1.51% |
Northeast Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast 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 Northeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16659) · FFIEC NIC profile (RSSD 689357)