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Northern State Bank

Ashland, WI
IDRSSD: 625757
Total Assets
$327.28M
Latest filing
Total Deposits
$293.24M
Latest filing
Net Interest Margin
4.09%
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, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date09/05/1933
Community BankYes
Ownership TypeNot Mutual
ZIP54806
State and County Number55003
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees49
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttp://www.nsbashland.com
Data Updated11/14/2025
CERT15242
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$327.28M
Total Deposits$293.24M
Total Liabilities$294.28M
Total Equity Capital$33.00M
Net Income$1.31M
Net Loans and Leases$155.90M
Assets Per Employee ($Millions)$6.68M
Bank Premises and Fixed Assets$1.88M
Cash and Balances due from Depository Institutions$57.68M
Deposits Held in Domestic Offices$293.24M

Key Performance Ratios

Return on Assets (ROA)1.65%
Return on Equity (ROE)16.13%
Net Interest Margin4.09%
Efficiency Ratio55.74%
Tier 1 Risk-Based Capital Ratio18.132%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.19%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.083%
Earning Assets to total Assets93.53%

Income and Expense

Total Interest Income$4.01M
Total Noninterest Income$265.00k
Total Interest Expense$963.00k
Total Noninterest Expense$1.84M
Net Interest Income$3.04M
Pre-tax Net Operating Income$1.31M
Provision for Credit Losses$150.00k
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$0
Federal Funds Sold & Reverse Repurchase Agreement$2.65M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.04M
Total Liabilities and Capital$327.28M

Securities

Securities$98.38M
Available-for-sale debt securities$98.38M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Northern State Bank?
$327.28M as of the latest filing.
How much are Northern State Bank's total deposits?
$293.24M in total deposits.
Where is Northern State Bank located?
Ashland, WI.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
7.
When was it established?
09/05/1933.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$155.90M (latest filing).
What is the total interest income (latest filing)?
$4.01M.