Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 43.5%, cash 31.8% of assets.
- Cash / Assets
- 31.80%
- Loans / Deposits
- 43.52%
- 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 — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
91
/ 100
StrongAs of 2026-Q1QoQ +1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2026-Q1
Bank #188056 2026-Q1 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 Q4 2025:
↑ +1 ptscomposite
- Liquidity— —
- Securities↑ +12
- Capitalization↓ 0
- Asset Quality↓ -6
- Reserves↑ +3
The five pillars
Securities
StableQoQ +12
77
Sub-score
Securities profile is stable: securities 27.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 27.01%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ 0
100
Sub-score
Capital position is strong: Tier 1 RBC 24.65%, CET1 24.65%, leverage 9.89%.
- Tier 1 RBC
- 24.65%
- CET1
- 24.65%
- Leverage
- 9.89%
No watch items at this period.
Asset Quality
StrongQoQ -6
83
Sub-score
Asset quality is strong: Adjusted NPL 0.66%, Texas Ratio 2.4%, NCO YTD 0.00%.
- Adjusted NPL
- 0.66%
- Texas Ratio
- 2.4%
- NCO YTD
- 0.00%
- 30-89 PD
- 2.21%
- 90+ PD
- 0.55%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +3
96
Sub-score
Reserves are strong: ALLL 1.37% of loans, coverage 211.3%, true coverage 211.3%.
- ALLL / Loans
- 1.37%
- Coverage
- 211.3%
- True Loss Coverage
- 211.3%
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.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