Northern Interstate Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northern Interstate Bank, N.A. of Norway, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.34% | -0.39% | 30th below |
| ROAE | 16.36% | 13.31% | +3.05% | 73rd above |
| Net Interest Margin | 3.19% | 3.93% | -0.74% | 16th bottom |
| Efficiency Ratio | 64.37% | 61.14% | +3.23% | 41st below |
| PPNR / Avg Assets | 1.15% | 1.68% | -0.53% | 27th below |
| Yield on Earning Assets | 4.34% | 5.67% | -1.33% | 6th bottom |
| Cost of Funds | 1.13% | 1.88% | -0.75% | 87th top |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.94% | -0.64% | 57th above |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 21st bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 322.22% | 1538.92% | -1216.70% | 62nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.07% | 7.33% | -2.26% | 41st below |
| Provision / NCO | 0.00% | 1395.89% | -1395.89% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.36% | 12.14% | -2.78% | 19th bottom |
| Equity / Assets | 5.85% | 11.38% | -5.53% | 2nd bottom |
| TCE / Tangible Assets | 5.85% | 11.09% | -5.24% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.90% | 80.64% | -32.74% | 93rd top |
| Core Deposit Ratio | 97.26% | 86.86% | +10.40% | 93rd top |
| Wholesale Funding Ratio | 5.17% | 5.03% | +0.14% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.11% | 6.85% | -5.74% | 26th below |
| Loan Growth (Y/Y) | 9.48% | 7.90% | +1.58% | 72nd above |
| Deposit Growth (Y/Y) | -2.64% | 6.29% | -8.93% | 11th bottom |
See Northern Interstate Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northern Interstate Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northern Interstate Bank, N.A. profile, how to read a UBPR, or how this data updates.