B
Northern State Bank of Thief River Falls
Rating Date
October 2025
Risk Based
Capital Ratio
27.25
Leverage
Ratio
11.11
Return On
Assets
0.92%
Total
Assets
446.52M
Capital
49.87M
Total
Deposits
394.94M
Net
Income
3.07M
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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 8.70
Capitalization Index 10.00
Liquidity Index 4.80
Profitability Index 2.70
Stability Index 6.80
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 1.48%
5-Year Asset Growth 5.76%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 2.28%
Non-Performing Loans to Loans 0.06%
Balance Sheet Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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Total Assets 446.52M
Total Deposits 394.94M
Capital and Reserves Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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Capital 49.87M
Leverage Ratio 11.11
Loan Loss Reserves to Loans 1.41%
Risk-Based Capital Ratio 27.25
Liquidity Northern State Bank of Thief River Falls
Thief River Falls, MN 		Click to
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Hot Money Ratio 9.81%
Liquidity Ratio 53.00%
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 3.07M
Net Interest Spread 2.74%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 55.87%
Return on Assets 0.92%
Return on Equity 8.56%