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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q3QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #188056 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.29%.

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -10

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.7%, cash 33.6% of assets.

Cash / Assets
33.62%
Loans / Deposits
49.68%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -1
98
Sub-score

Securities profile is strong: securities 20.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.44%, CET1 25.44%, leverage 10.69%.

Tier 1 RBC
25.44%
CET1
25.44%
Leverage
10.69%
No watch items at this period.

Asset Quality

StableQoQ +3
75
Sub-score

Asset quality is stable: Adjusted NPL 1.30%, Texas Ratio 5.0%, NCO YTD 0.00%.

Adjusted NPL
1.30%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.00%
30-89 PD
1.52%
Band 0.3% / 3.0%
90+ PD
1.29%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.29%.

Reserves

StableQoQ -10
71
Sub-score

Reserves are stable: ALLL 1.30% of loans, coverage 101.1%, true coverage 101.1%.

ALLL / Loans
1.30%
Coverage
101.1%
True Loss Coverage
101.1%
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.ts for 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