Northview Bank
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Data as of · sourced from FFIEC call reports. How we update
Northview Bank is an FDIC-insured commercial bank headquartered in Sandstone, MN, established in 1908 (FDIC certificate 10956), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $469.7M, up 1.5% from Q2 2025, the 54th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10956
- Headquarters
- Sandstone, MN
- Established
- 1908
- Total assets, Q2 2026
- $469.7M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 10.75%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 091907471
- Holding company
- FINLAYSON BANCSHARES, INC.
- Asset rank in state
- 54th of 221 in Minnesota
Northview Bank earns an unusually wide margin on its lending. Based in Sandstone, Minnesota, it had $470 million in assets at June 30, 2026, up 1.5% from a year earlier. It keeps 5.00 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.0 million, 77% above the same quarter a year earlier. Over the same year, loans grew 10.4% and deposits grew 1.9%.
As of June 30, 2026, Northview Bank reported a return on assets of 1.69%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 3.30%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Northview Bank is the 54th largest of the 221 banks headquartered in Minnesota. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $469.7M, loans rose 4.2% and deposits fell 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.8% of total loans, ahead of construction and land development loans at 25.1%. Its 12 offices in the FDIC Summary of Deposits are in 12 cities in MN; its Park Rapids office books 20% of its branch deposits. On its Q2 2026 call report, Northview Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 510 Main St, Sandstone, MN 55072
- County
- Pine
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 115
- Domestic deposits
- $392.5M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- -$37K
- Average total assets
- $473.5M
- Average total loans
- $371.5M
- Average interest-bearing deposits
- $286.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10956
- Fed RSSD
- 16551
- SEC CIK
- 2127904 → filed by FINLAYSON BANCSHARES, INC.
- Website
- http://www.northviewbank.com →
- Parent Holding Company
- FINLAYSON BANCSHARES, INC. (RSSD 1126037)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Northview Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Northview Bank's total assets ran between $435.2M (Q3 2023) and $477.8M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$469.7M total assets against $462.8M; $418.7M total liabilities against $416.7M.
$376.9M net loans and leases against $341.0M; $392.5M total deposits against $385.4M.
$57.1M securities against $74.9M; $9.6M cash and balances due against $21.0M.
$7.1M total interest income against $6.6M; $1.5M total interest expense against $1.7M.
$5.6M net interest income against $4.9M.
$612K total noninterest income against $648K; $3.8M total noninterest expense against $3.7M.
$75K provision for credit losses against $0.
$2.0M net income against $1.1M.
1.69% return on assets against 0.98%; 5.00% net interest margin against 4.47%.
10.75% tier 1 leverage ratio against 10.23%.
Inside the full Northview Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Northview Bank rankings
Its closest position to the top of a national ranking is 929 of 3,611, for ROA; its furthest is 1,963 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q3 2024) to 2.30% (Q3 2025) and its net interest margin ran from 3.80% (Q3 2024) to 5.07% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.75% | 1.69% | 0.46% | 3.30% | 5.00% |
| Q1 2026 | 10.63% | 1.45% | 0.60% | 4.23% | 4.81% |
| Q4 2025 | 10.59% | 1.53% | 0.67% | 4.63% | 5.07% |
| Q3 2025 | 10.55% | 2.30% | 0.53% | 4.07% | 4.92% |
| Q2 2025 | 10.23% | 0.98% | 0.59% | 4.95% | 4.47% |
| Q1 2025 | 9.94% | 1.04% | 0.65% | 5.53% | 4.14% |
| Q4 2024 | 9.96% | 1.04% | 0.82% | 6.83% | 4.27% |
| Q3 2024 | 9.78% | 0.82% | 0.60% | 4.77% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank of Park Rapids Branch | Park Rapids , MN | 56470 | $79.2M |
| Finlayson Branch | Finlayson , MN | 55735 | $55.4M |
| Hinckley Branch | Hinckley , MN | 55037 | $44.6M |
| Willow River Branch | Willow River , MN | 55795 | $36.3M |
| Northview Bank (main office) | Sandstone , MN | 55072 | $35.8M |
| Askov Branch | Askov , MN | 55704 | $25.8M |
| Floodwood Branch | Floodwood , MN | 55736 | $24.3M |
| Cromwell Branch | Cromwell , MN | 55726 | $23.8M |
| Deer River Branch | Deer River , MN | 56636 | $22.5M |
| Barnum Branch | Barnum , MN | 55707 | $18.4M |
| Grand Rapids Branch | Grand Rapids , MN | 55744 | $16.7M |
| Kerrick Branch | Kerrick , MN | 55756 | $9.8M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| June 6, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 6, 2015 | Structure Change | Acquired State Bank of Park Rapids Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2011 | Structure Change | Acquired First National Bank of the North Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 28, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 3, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 2006 | Structure Change | Acquired The First National Bank of Deer River Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2004 | Structure Change | Acquired First State Bank of Floodwood Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MN, rank 76 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 439 applications, 250 loans originated, $63.4M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $330K approved, $82K average. 25.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Northview Bank
What are Northview Bank's total assets?
As of the Q2 2026 filing, Northview Bank reported total assets of $469.7 million in its FFIEC call report.
Where is Northview Bank headquartered?
It is headquartered in Sandstone, MN, United States.
When was Northview Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Northview Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northview Bank?
Northview Bank's primary federal regulator is the FDIC.
How many branches does Northview Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northview Bank's Texas Ratio?
Its Texas Ratio is 3.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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