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The Northern State Bank Of Gonvick

IDRSSD: 75455
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q1QoQ -13

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

Quarterly Headline

2025-Q1

Bank #75455 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

Liquidity:Strong
Securities:Risk
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 2024:
↓ -13 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -86
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 36.3%, cash 21.5% of assets.

Cash / Assets
21.49%
Loans / Deposits
36.35%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -86
14
Sub-score

Securities profile is weak: securities 45.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
45.89%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 49.08%, CET1 49.08%, leverage 15.22%.

Tier 1 RBC
49.08%
CET1
49.08%
Leverage
15.22%
No watch items at this period.

Asset Quality

StrongQoQ +1
81
Sub-score

Asset quality is strong: Adjusted NPL 1.27%, Texas Ratio 2.4%, NCO YTD -0.02%.

Adjusted NPL
1.27%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
-0.02%
30-89 PD
1.95%
Band 0.3% / 3.0%
90+ PD
0.35%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.66% of loans, coverage 298.5%, true coverage 298.5%.

ALLL / Loans
3.66%
Coverage
298.5%
True Loss Coverage
298.5%
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