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Northern Interstate Bank, N. A.

Norway, MI
IDRSSD: 289056
Total Assets
$191.94M
Latest filing
Total Deposits
$174.75M
Latest filing
Net Interest Margin
2.98%
Profitability
0

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 ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date06/12/1901
Community BankYes
Ownership TypeNot Mutual
ZIP49870
State and County Number26043
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number09
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameIron Mountain, MI-WI

Operational Info

Number of Employees29
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/29/2021
Date of Deposit Insurance01/29/1934
Primary Insurance AgencyDIF
Websitewww.banknib.com
Data Updated11/14/2025
CERT13784
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$191.94M
Total Deposits$174.75M
Total Liabilities$181.11M
Total Equity Capital$10.84M
Net Income$392.00k
Net Loans and Leases$76.88M
Assets Per Employee ($Millions)$6.62M
Bank Premises and Fixed Assets$2.85M
Cash and Balances due from Depository Institutions$4.43M
Deposits Held in Domestic Offices$174.75M

Key Performance Ratios

Return on Assets (ROA)0.82%
Return on Equity (ROE)15.34%
Net Interest Margin2.98%
Efficiency Ratio66.87%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets5.645%
Earning Assets to total Assets91.16%

Income and Expense

Total Interest Income$1.85M
Total Noninterest Income$200.00k
Total Interest Expense$547.00k
Total Noninterest Expense$1.00M
Net Interest Income$1.30M
Pre-tax Net Operating Income$497.00k
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$5.00M
Federal Funds Sold & Reverse Repurchase Agreement$2.99M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.35M
Total Liabilities and Capital$191.94M

Securities

Securities$93.93M
Available-for-sale debt securities$44.49M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$49.44M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Northern Interstate Bank, N. A.?
$191.94M as of the latest filing.
How much are Northern Interstate Bank, N. A.'s total deposits?
$174.75M in total deposits.
Where is Northern Interstate Bank, N. A. located?
Norway, MI.
What is the Net Interest Margin?
2.98%.
How many domestic offices does it operate?
5.
When was it established?
06/12/1901.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$76.88M (latest filing).
What is the total interest income (latest filing)?
$1.85M.