D
Northern Interstate Bank, National Association
Norway,  MI
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
9.23
Return On
Assets
0.73%
Total
Assets
191.94M
Capital
10.84M
Total
Deposits
174.76M
Net
Income
1.03M
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Weiss Ratings Northern Interstate Bank, National Association
Norway, MI 		Click to
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Rating D
Asset Quality Index 6.80
Capitalization Index 3.50
Liquidity Index 3.90
Profitability Index 3.70
Stability Index 1.70
Company Info Northern Interstate Bank, National Association
Norway, MI 		Click to
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FDIC Number 13784
Phone Number (906) 563-9233
Website banknib.com
Asset Quality Northern Interstate Bank, National Association
Norway, MI 		Click to
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1-Year Asset Growth 2.95%
5-Year Asset Growth 4.21%
5-Year Charge-Offs to Average Loans 0.84%
Charge-Offs to Average Loans -0.05%
Non-Performing Assets to Assets 0.53%
Non-Performing Loans to Capital 1.13%
Non-Performing Loans to Loans 1.31%
Balance Sheet Northern Interstate Bank, National Association
Norway, MI 		Click to
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Total Assets 191.94M
Total Deposits 174.76M
Capital and Reserves Northern Interstate Bank, National Association
Norway, MI 		Click to
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Capital 10.84M
Leverage Ratio 9.23
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio --
Liquidity Northern Interstate Bank, National Association
Norway, MI 		Click to
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Hot Money Ratio 6.66%
Liquidity Ratio 50.93%
Profitability Northern Interstate Bank, National Association
Norway, MI 		Click to
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5-Year Return on Average Assets 0.46%
Net Income 1.03M
Net Interest Spread 2.87%
Operating Profit to Average Assets 0.90%
Overhead Efficiency Ratio 70.61%
Return on Assets 0.73%
Return on Equity 14.24%