Northern Interstate Bank, N.A.: 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: 233.75 percentage points higher than in Q1 2026, at 322.22%. Within Michigan, Northern Interstate Bank, N.A. is 49th of 72 on return on assets, 0.95% as of Q2 2026, below the middle of the field. Northern Interstate Bank, N.A. reported 0.95% on return on assets for Q2 2026, 0.30 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 5.85% |
| Tangible equity to tangible assets | 5.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.07% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 322.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 16.36% |
| Net interest margin | 3.19% |
| Efficiency ratio | 64.37% |
| Yield on earning assets | 4.34% |
| Cost of funds | 1.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.90% |
| Core deposits to total deposits | 97.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.28% |
| Securities to assets | 48.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.68% | 0.64% | 2.92% | 1.58% | 0.01% |
| Q4 2023 | 9.92% | 0.47% | 2.78% | 1.50% | 0.04% |
| Q1 2024 | 9.56% | 0.46% | 2.70% | 1.42% | 0.11% |
| Q2 2024 | 9.46% | 0.57% | 2.70% | 1.47% | 0.06% |
| Q3 2024 | 9.48% | 0.56% | 2.69% | 1.46% | 0.04% |
| Q4 2024 | 9.41% | 0.60% | 2.64% | 1.38% | 0.03% |
| Q1 2025 | 9.37% | 0.59% | 2.71% | 1.61% | 0.00% |
| Q2 2025 | 9.20% | 0.77% | 2.92% | 1.45% | -0.14% |
| Q3 2025 | 9.23% | 0.82% | 2.98% | 1.31% | 0.00% |
| Q4 2025 | 9.30% | 0.64% | 3.01% | 1.56% | 0.00% |
| Q1 2026 | 9.29% | 0.83% | 3.11% | 1.09% | 0.04% |
| Q2 2026 | 9.36% | 0.95% | 3.19% | 0.30% | 0.00% |
Northern Interstate Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern Interstate Bank, N.A., 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 Northern Interstate Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13784) · FFIEC NIC profile (RSSD 289056)