Northern State Bank of Thief River Falls
Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 24.6 and a capital leverage ratio of 9.9. A current level of 1.4 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Good liquidity 5.2, driven by a liquidity ratio of 57.3 percent and a “hot money” ratio of 9.2 percent.
Asset Mix:
Securities (31%), cash (28%), comm re (9%), home mtgs (9%), comm loans (5%), consumer loans (4%), other (13%)
States with Branches:
MN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Gato Holdings, Inc.
Investment Rating
--
Address
201 East Third Street
Thief River Falls, MN 56701
Thief River Falls, MN 56701
Phone Number
(218) 681-4020
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.