Northern Interstate Bank, N. A.
Norway, MI
IDRSSD: 289056
Total Assets
$191.11M
Latest filing
Total Deposits
$168.84M
Latest filing
Net Interest Margin
2.99%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091107705NORWAY, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Northern Interstate Bank, N. A.
501 W Us Highway 2
Norway, MI 49870
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/12/1901FDIC Certificate 8618
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Northern Interstate Bank, N. A. (Main) | 501 W Us Highway 2 | Norway, MI |
| NORTH DICKINSON BRANCH | N10151 State Highway M95 | Sagola, MI |
| IRON MOUNTAIN BRANCH | 1917 N Stephenson Ave | Iron Mountain, MI |
| POWERS BRANCH | W3879 Us Highway 2 | Powers, MI |
| CRYSTAL FALLS BRANCH | 125 Superior Ave | Crystal Falls, MI |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 06/12/1901 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49870 |
| State and County Number | 26043 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Iron Mountain, MI-WI |
Operational Info
| Number of Employees | 29 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/29/2021 |
| Date of Deposit Insurance | 01/29/1934 |
| Primary Insurance Agency | DIF |
| Website | www.banknib.com |
| Data Updated | 01/30/2026 |
| CERT | 13784 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $191.11M |
| Total Deposits | $168.84M |
| Total Liabilities | $179.94M |
| Total Equity Capital | $11.17M |
| Net Income | $302.00k |
| Net Loans and Leases | $78.18M |
| Assets Per Employee ($Millions) | $6.37M |
| Bank Premises and Fixed Assets | $2.92M |
| Cash and Balances due from Depository Institutions | $4.39M |
| Deposits Held in Domestic Offices | $168.84M |
Key Performance Ratios
| Return on Assets (ROA) | 0.63% |
| Return on Equity (ROE) | 10.98% |
| Net Interest Margin | 2.99% |
| Efficiency Ratio | 74.26% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.847% |
| Earning Assets to total Assets | 91.03% |
Income and Expense
| Total Interest Income | $1.83M |
| Total Noninterest Income | $208.00k |
| Total Interest Expense | $523.00k |
| Total Noninterest Expense | $1.12M |
| Net Interest Income | $1.30M |
| Pre-tax Net Operating Income | $389.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $9.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $782.00k |
| All Other Liabilities | $1.32M |
| Total Liabilities and Capital | $191.11M |
Securities
| Securities | $94.80M |
| Available-for-sale debt securities | $45.18M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $49.62M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Northern Interstate Bank, N. A.?
$191.11M as of the latest filing.
How much are Northern Interstate Bank, N. A.'s total deposits?
$168.84M in total deposits.
Where is Northern Interstate Bank, N. A. located?
Norway, MI.
What is the Net Interest Margin?
2.99%.
How many domestic offices does it operate?
5.
When was it established?
06/12/1901.
What is the Return on Assets (ROA)?
0.63%.
How much are total loans and leases?
$78.18M (latest filing).
What is the total interest income (latest filing)?
$1.83M.