B
Northern State Bank of Thief River Falls
Rating Date
March 2026
Risk Based
Capital Ratio
24.61
Leverage
Ratio
9.91
Return On
Assets
0.97%
Total
Assets
494.31M
Capital
48.07M
Total
Deposits
444.83M
Net
Income
4.37M
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Weiss Ratings Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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Rating B
Asset Quality Index 8.10
Capitalization Index 8.40
Liquidity Index 5.20
Profitability Index 2.70
Stability Index 6.40
Company Info Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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FDIC Number 15286
Phone Number (218) 681-4020
Website www.nsbtrf.com
Asset Quality Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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1-Year Asset Growth 5.02%
5-Year Asset Growth 6.12%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 1.42%
Non-Performing Loans to Loans 0.05%
Balance Sheet Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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Total Assets 494.31M
Total Deposits 444.83M
Capital and Reserves Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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Capital 48.07M
Leverage Ratio 9.91
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 24.61
Liquidity Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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Hot Money Ratio 9.20%
Liquidity Ratio 57.29%
Profitability Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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5-Year Return on Average Assets 1.01%
Net Income 4.37M
Net Interest Spread 2.71%
Operating Profit to Average Assets 1.16%
Overhead Efficiency Ratio 56.16%
Return on Assets 0.97%
Return on Equity 9.08%