Northern State Bank of Thief River Falls: 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: 801.71 percentage points lower than in Q1 2026, at 469.16%. Within Minnesota, Northern State Bank of Thief River Falls is 142nd of 221 on return on assets, 1.19% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Northern State Bank of Thief River Falls sits 0.06 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.96% |
| Tier 1 risk-based capital ratio | 24.96% |
| Total risk-based capital ratio | 26.21% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 8.91% |
| Tangible equity to tangible assets | 8.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.32% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 469.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 12.25% |
| Net interest margin | 2.70% |
| Efficiency ratio | 55.09% |
| Yield on earning assets | 4.79% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.24% |
| Core deposits to total deposits | 98.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.78% |
| Securities to assets | 25.79% |
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 | 24.47% | 24.47% | 25.72% | 9.42% | 1.00% |
| Q4 2023 | 24.11% | 24.11% | 25.36% | 9.54% | 1.31% |
| Q1 2024 | 24.36% | 24.36% | 25.61% | 9.83% | 0.79% |
| Q2 2024 | 25.46% | 25.46% | 26.71% | 10.28% | 1.66% |
| Q3 2024 | 25.44% | 25.44% | 26.69% | 10.69% | 1.41% |
| Q4 2024 | 24.83% | 24.83% | 26.09% | 9.98% | 1.49% |
| Q1 2025 | 25.31% | 25.31% | 26.57% | 10.54% | 0.95% |
| Q2 2025 | 25.18% | 25.18% | 26.43% | 10.79% | 0.80% |
| Q3 2025 | 25.99% | 25.99% | 27.25% | 11.11% | 1.02% |
| Q4 2025 | 23.36% | 23.36% | 24.61% | 9.91% | 1.10% |
| Q1 2026 | 24.65% | 24.65% | 25.90% | 9.89% | 1.07% |
| Q2 2026 | 24.96% | 24.96% | 26.21% | 9.92% | 1.19% |
Northern State Bank of Thief River Falls vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern State Bank of Thief River Falls, 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 of Thief River Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15286) · FFIEC NIC profile (RSSD 188056)