Northern State 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: 393.60 percentage points higher than in Q1 2026, at 512.61%. Within Wisconsin, Northern State Bank is 23rd of 153 on return on assets, 1.82% as of Q2 2026, above the middle of the field. Northern State Bank reported 1.82% on return on assets for Q2 2026, 0.56 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.11% |
| Tier 1 risk-based capital ratio | 17.11% |
| Total risk-based capital ratio | 18.08% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 10.00% |
| Tangible equity to tangible assets | 10.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.98% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 512.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 18.50% |
| Net interest margin | 4.01% |
| Efficiency ratio | 50.65% |
| Yield on earning assets | 5.38% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.66% |
| Core deposits to total deposits | 97.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.82% |
| Securities to assets | 35.18% |
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 | 16.98% | 16.98% | 17.79% | 8.74% | 1.78% |
| Q4 2023 | 17.16% | 17.16% | 17.97% | 8.88% | 1.88% |
| Q1 2024 | 17.37% | 17.37% | 18.21% | 9.01% | 2.04% |
| Q2 2024 | 17.21% | 17.21% | 18.04% | 9.41% | 1.88% |
| Q3 2024 | 16.70% | 16.70% | 17.55% | 9.47% | 2.07% |
| Q4 2024 | 17.34% | 17.34% | 18.23% | 9.76% | 1.95% |
| Q1 2025 | 18.58% | 18.58% | 19.58% | 9.92% | 1.79% |
| Q2 2025 | 18.46% | 18.46% | 19.52% | 10.28% | 2.27% |
| Q3 2025 | 18.13% | 18.13% | 19.24% | 9.94% | 1.63% |
| Q4 2025 | 17.67% | 17.67% | 18.57% | 9.94% | 1.79% |
| Q1 2026 | 17.94% | 17.94% | 18.93% | 9.91% | 1.48% |
| Q2 2026 | 17.11% | 17.11% | 18.08% | 9.92% | 1.82% |
Northern State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern State 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 Northern State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15242) · FFIEC NIC profile (RSSD 625757)