Northern State Bank
Northern State Bank is an FDIC-insured commercial bank. Total assets stand at $329M. The bank posts a strong 1.48% ROA and 14.67% ROE. Capital cushions are healthy: 17.94% CET1, 9.91% Tier 1 leverage. Credit metrics are in line with industry norms — 0.93% NPL ratio. It operates 7 branches, primarily in Wisconsin.
Headquarters Profile
- Address
- 321 Main St W, ASHLAND, WI 54806
- County
- Ashland
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- September 5, 1933
- Branches
- 7 domestic
- Employees (FTE)
- 49
- FDIC Cert
- 15242
- Fed RSSD
- 625757
- Website
- http://www.nsbashland.com →
- Parent Holding Company
- BAY AREA BANKING SHARES, INC. (RSSD 1127799)
Capital & Liquidity
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Northern State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in FDIC Assisted MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Northern State Bank
What are Northern State Bank's total assets?
As of the Q1 2026 filing, Northern State Bank reported total assets of $328.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Northern State Bank headquartered?
Northern State Bank is headquartered in ASHLAND, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Northern State Bank founded?
Northern State Bank was established in 1933, per the FDIC institution directory.
Is Northern State Bank FDIC-insured?
Yes. Northern State Bank is an FDIC-insured commercial bank (FDIC Certificate #15242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northern State Bank?
Northern State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Northern State Bank's CET1 capital ratio?
Northern State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.94% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Northern State Bank operate?
Northern State Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Northern State Bank's Texas Ratio?
Northern State Bank's Texas Ratio is 4.04% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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