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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #75455 2025-Q4 Vital Signs Score: 84/100 — 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 Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +14
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 37.7%, cash 14.6% of assets.

Cash / Assets
14.62%
Loans / Deposits
37.73%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 51.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
51.79%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 46.53%, CET1 46.53%, leverage 14.85%.

Tier 1 RBC
46.53%
CET1
46.53%
Leverage
14.85%
No watch items at this period.

Asset Quality

StrongQoQ +6
96
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 1.7%, NCO YTD 0.22%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.22%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.24% of loans, coverage 412.7%, true coverage 412.7%.

ALLL / Loans
3.24%
Coverage
412.7%
True Loss Coverage
412.7%
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