D
Northern Interstate Bank, National Association
Norway,  MI
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.30
Return On
Assets
0.71%
Total
Assets
191.11M
Capital
11.17M
Total
Deposits
168.84M
Net
Income
1.33M
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Weiss Ratings Northern Interstate Bank, National Association
Norway, MI 		Click to
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Rating D
Asset Quality Index 5.40
Capitalization Index 3.90
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 2.60%
5-Year Asset Growth 1.15%
5-Year Charge-Offs to Average Loans 0.84%
Charge-Offs to Average Loans -0.04%
Non-Performing Assets to Assets 0.64%
Non-Performing Loans to Capital 4.72%
Non-Performing Loans to Loans 1.56%
Balance Sheet Northern Interstate Bank, National Association
Norway, MI 		Click to
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Total Assets 191.11M
Total Deposits 168.84M
Capital and Reserves Northern Interstate Bank, National Association
Norway, MI 		Click to
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Capital 11.17M
Leverage Ratio 9.30
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio --
Liquidity Northern Interstate Bank, National Association
Norway, MI 		Click to
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Hot Money Ratio 6.70%
Liquidity Ratio 50.05%
Profitability Northern Interstate Bank, National Association
Norway, MI 		Click to
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5-Year Return on Average Assets 0.46%
Net Income 1.33M
Net Interest Spread 2.91%
Operating Profit to Average Assets 0.88%
Overhead Efficiency Ratio 71.56%
Return on Assets 0.71%
Return on Equity 13.34%