Visbanking Logo
Skip to main content

The Northern State Bank Of Gonvick

IDRSSD: 75455
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
93
/ 100
StrongAs of 2024-Q2QoQ -3

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 #75455 2024-Q2 Vital Signs Score: 93/100 — 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

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.05%.

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 37.2%, cash 49.3% of assets.

Cash / Assets
49.29%
Loans / Deposits
37.21%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.89%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 52.92%, CET1 52.92%, leverage 15.43%.

Tier 1 RBC
52.92%
CET1
52.92%
Leverage
15.43%
No watch items at this period.

Asset Quality

StableQoQ -13
72
Sub-score

Asset quality is stable: Adjusted NPL 1.72%, Texas Ratio 3.1%, NCO YTD 0.46%.

Adjusted NPL
1.72%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.46%
30-89 PD
1.31%
Band 0.3% / 3.0%
90+ PD
1.05%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.05%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.79% of loans, coverage 229.1%, true coverage 229.1%.

ALLL / Loans
3.79%
Coverage
229.1%
True Loss Coverage
229.1%
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: 2026-05-12 00:57:17 UTC