Northern Interstate Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Northern Interstate Bank, N.A. is an FDIC-insured commercial bank headquartered in Norway, MI, established in 1901 (FDIC certificate 13784), and it is supervised by the OCC. At Q2 2026 it reported total assets of $193.5M, up 1.1% from Q2 2025, the 54th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.36% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 13784
- Headquarters
- Norway, MI
- Established
- 1901
- Total assets, Q2 2026
- $193.5M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 9.36%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 091107705
- Latest call report
- Q2 2026, FFIEC 051 · Northern Interstate Bank, N.A. call report
- Holding company
- NORTHERN INTERSTATE FINANCIAL, INC.
- Asset rank in state
- 54th of 72 in Michigan
Problem loans are rising at Northern Interstate Bank, N.A.. Its balance sheet stood at $194 million at June 30, 2026, up 1.1% from a year earlier; it is based in Norway, Michigan. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.75% of loans from 0.33% a year earlier. It lost 2.6% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also pays an average of 1.13% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $16 million equal 87% of Tier 1 capital, down from 104% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 9.5% and deposits fell 2.6%. Its margin is thin by comparison: it keeps 3.19 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Northern Interstate Bank, N.A. reported a return on assets of 0.95%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 5.07%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Northern Interstate Bank, N.A. is the 54th largest of the 72 banks headquartered in Michigan. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $193.5M, loans rose 0.7% and deposits fell 2.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 56.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.5%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in MI; its Norway office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Northern Interstate Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 501 W Us Highway 2, Norway, MI 49870
- County
- Dickinson
- Metro Area
- Iron Mountain, MI-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 12, 1901
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $170.8M
- Allowance for credit losses
- $783K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $192.0M
- Average total loans
- $82.3M
- Average interest-bearing deposits
- $156.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 29, 1934
- FDIC Cert
- 13784
- Fed RSSD
- 289056
- Website
- www.banknib.com →
- Parent Holding Company
- NORTHERN INTERSTATE FINANCIAL, INC. (RSSD 1871588)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Northern Interstate Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Northern Interstate Bank, N.A.'s total assets ranged from $178.2M (Q3 2023) to $193.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$193.5M total assets against $191.4M; $182.2M total liabilities against $181.8M.
$81.0M net loans and leases against $74.0M; $170.8M total deposits against $175.5M.
$94.3M securities against $92.9M; $4.0M cash and balances due against $10.5M.
$1.9M total interest income against $1.8M; $512K total interest expense against $536K.
$1.4M net interest income against $1.3M.
$201K total noninterest income against $191K; $1.0M total noninterest expense against $1.0M.
No provision recorded in the last 12 quarters.
$454K net income against $364K.
0.95% return on assets against 0.77%; 3.19% net interest margin against 2.92%.
9.36% tier 1 leverage ratio against 9.20%.
Inside the full Northern Interstate Bank, N.A. 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Northern Interstate Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,331 of 3,640, for Texas Ratio; its furthest is 2,628 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.56% (Q3 2024) to 0.95% (Q2 2026) and its net interest margin ran from 2.64% (Q4 2024) to 3.19% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.36% | 0.95% | 0.75% | 5.07% | 3.19% |
| Q1 2026 | 9.29% | 0.83% | 0.41% | 2.87% | 3.11% |
| Q4 2025 | 9.30% | 0.64% | 0.43% | 2.83% | 3.01% |
| Q3 2025 | 9.23% | 0.82% | 0.27% | 1.78% | 2.98% |
| Q2 2025 | 9.20% | 0.77% | 0.33% | 2.34% | 2.92% |
| Q1 2025 | 9.37% | 0.59% | 0.49% | 3.63% | 2.71% |
| Q4 2024 | 9.41% | 0.60% | 0.32% | 2.56% | 2.64% |
| Q3 2024 | 9.48% | 0.56% | 0.41% | 2.75% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Northern Interstate Bank, N. A. | Norway , MI | 49870 | $82.0M |
| Crystal Falls Branch | Crystal Falls , MI | 49920 | $64.9M |
| North Dickinson Branch | Sagola , MI | 49881 | $10.2M |
| Iron Mountain Branch | Iron Mountain , MI | 49801 | $6.8M |
| Powers Branch | Powers , MI | 49874 | $6.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2017 | Structure Change | Acquired First National Bank of Crystal Falls Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MI, rank 71 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 Northern Interstate Bank, N.A.
What are Northern Interstate Bank, N.A.'s total assets?
As of the Q2 2026 filing, Northern Interstate Bank, N.A. reported total assets of $193.5 million in its FFIEC call report.
Where is Northern Interstate Bank, N.A. headquartered?
It is headquartered in Norway, MI, United States.
When was Northern Interstate Bank, N.A. founded?
It was established in 1901, per the FDIC institution directory.
Is Northern Interstate Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northern Interstate Bank, N.A.?
Northern Interstate Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Northern Interstate Bank, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northern Interstate Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 5.07% 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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