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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q2QoQ +4

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

Quarterly Headline

2025-Q2

Bank #75455 2025-Q2 Vital Signs Score: 86/100 — 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 Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↑ +10
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 38.2%, cash 22.5% of assets.

Cash / Assets
22.49%
Loans / Deposits
38.20%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +6
20
Sub-score

Securities profile is weak: securities 44.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
44.09%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 52.69%, CET1 52.69%, leverage 15.50%.

Tier 1 RBC
52.69%
CET1
52.69%
Leverage
15.50%
No watch items at this period.

Asset Quality

StrongQoQ +10
91
Sub-score

Asset quality is strong: Adjusted NPL 1.24%, Texas Ratio 2.3%, NCO YTD -0.12%.

Adjusted NPL
1.24%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
-0.12%
30-89 PD
0.13%
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 3.71% of loans, coverage 309.5%, true coverage 309.5%.

ALLL / Loans
3.71%
Coverage
309.5%
True Loss Coverage
309.5%
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