Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 47.6%, cash 35.7% of assets.
- Cash / Assets
- 35.74%
- Loans / Deposits
- 47.55%
- Brokered %
- 0.00%
No watch items at this period.
Northern State Bank Of Thief River Falls
IDRSSD: 188056
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q2
Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
90
/ 100
StrongAs of 2024-Q2QoQ 0
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2024-Q2
Bank #188056 2024-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2024:
↑ 0 ptscomposite
- Liquidity— —
- Securities↓ -1
- Capitalization↑ +1
- Asset Quality↑ 0
- Reserves↑ +1
The five pillars
Securities
StrongQoQ -1
99
Sub-score
Securities profile is strong: securities 20.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 20.19%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +1
100
Sub-score
Capital position is strong: Tier 1 RBC 25.46%, CET1 25.46%, leverage 10.28%.
- Tier 1 RBC
- 25.46%
- CET1
- 25.46%
- Leverage
- 10.28%
No watch items at this period.
Asset Quality
StableQoQ 0
72
Sub-score
Asset quality is stable: Adjusted NPL 0.96%, Texas Ratio 3.7%, NCO YTD 0.00%.
- Adjusted NPL
- 0.96%
- Texas Ratio
- 3.7%
- NCO YTD
- 0.00%
- 30-89 PD
- 2.90%
- 90+ PD
- 0.95%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +1
82
Sub-score
Reserves are strong: ALLL 1.34% of loans, coverage 141.0%, true coverage 141.0%.
- ALLL / Loans
- 1.34%
- Coverage
- 141.0%
- True Loss Coverage
- 141.0%
No watch items at this period.
Methodology + sources
- Vital Signs Score
- Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See
functions/src/vitalSignsScore.tsfor the complete formula and band anchors. - Period addressing
- Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
- Source data
- FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via
CallReport_Financials+CallReport_FdicData(Visbanking nightly ingest).
Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.
Generated: 2026-05-14 23:41:36 UTC