Northern Interstate Bank, National Association
Norway, MI · Cert 13784 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 124 of 746).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 731 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.88%
Rank 473 of 746
Net Interest Margin
2.88%
Rank 642 of 746
Efficiency Ratio
67.48%
Rank 428 of 746
Equity / Assets
5.85%
Rank 731 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.72% | 1.06% | 1.45% | Beats 37% | 473 / 746 | | |
| Return on Equity | 15.04% | 6.74% | 10.51% | 13.63% | Beats 83% | 124 / 746 | | |
| Net Interest Margin | 2.88% | 3.17% | 3.68% | 4.16% | Beats 14% | 642 / 746 | | |
| Efficiency Ratio | 67.48% | 55.74% | 64.58% | 75.47% | Beats 43% | 428 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.09% | 0.42% | 1.07% | Beats 35% | 486 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 36% | 473 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.36% | 11.55% | 13.75% | 17.60% | Beats 3% | 727 / 746 | | |
| Total Risk-Based Capital Ratio | 9.36% | 11.71% | 14.33% | 18.43% | Beats 3% | 727 / 746 | | |
| Equity / Assets | 5.85% | 8.90% | 10.51% | 13.06% | Beats 2% | 731 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.90% | 61.31% | 78.27% | 90.78% | 11th pctl | 663 / 746 | | |
| Loans / Assets | 42.29% | 53.60% | 66.97% | 76.08% | 12th pctl | 657 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |