Northern Interstate Bank, National Association
Norway, MI · Cert 13784 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Northern Interstate Finl Inc.
National charter · OCC · 5 branches
Q2 2026
$193.5MAssets
$81.8MLoans
$170.8MDeposits
$11.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets operating in a single state (rank 128 of 755).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 740 of 755).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.88%
Rank 478 of 755
Net Interest Margin
2.88%
Rank 649 of 755
Efficiency Ratio
67.48%
Rank 432 of 755
Equity / Assets
5.85%
Rank 740 of 755
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.72% | 1.06% | 1.45% | Beats 37% | 478 / 755 | |
| Return on Equity | 15.04% | 6.66% | 10.44% | 13.61% | Beats 83% | 128 / 755 | |
| Net Interest Margin | 2.88% | 3.15% | 3.68% | 4.17% | Beats 14% | 649 / 755 | |
| Efficiency Ratio | 67.48% | 55.75% | 64.78% | 75.61% | Beats 43% | 432 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.09% | 0.42% | 1.05% | Beats 34% | 493 / 751 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 38% | 469 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 9.36% | 11.56% | 13.81% | 17.74% | Beats 3% | 736 / 755 | |
| Total Risk-Based Capital Ratio | 9.36% | 11.72% | 14.46% | 18.53% | Beats 3% | 736 / 755 | |
| Equity / Assets | 5.85% | 8.93% | 10.56% | 13.13% | Beats 2% | 740 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 47.90% | 62.43% | 78.62% | 91.00% | 10th pctl | 677 / 755 | |
| Loans / Assets | 42.29% | 54.70% | 67.27% | 76.55% | 11th pctl | 672 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |