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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #188056 2025-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +11
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -4

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 44.1%, cash 27.7% of assets.

Cash / Assets
27.67%
Loans / Deposits
44.15%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +11
64
Sub-score

Securities profile is stable: securities 30.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
30.65%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 23.36%, CET1 23.36%, leverage 9.91%.

Tier 1 RBC
23.36%
CET1
23.36%
Leverage
9.91%
No watch items at this period.

Asset Quality

StrongQoQ +3
89
Sub-score

Asset quality is strong: Adjusted NPL 0.36%, Texas Ratio 1.4%, NCO YTD 0.05%.

Adjusted NPL
0.36%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.05%
30-89 PD
1.79%
Band 0.3% / 3.0%
90+ PD
0.31%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
93
Sub-score

Reserves are strong: ALLL 1.28% of loans, coverage 362.3%, true coverage 362.3%.

ALLL / Loans
1.28%
Coverage
362.3%
True Loss Coverage
362.3%
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