Northern Interstate Bank N A
Norway, Michigan · FDIC Cert #13784
This is the FDIC profile for Northern Interstate Bank N A, an FDIC-insured bank (Certificate #13784) with $184M in total assets and $161M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Norway, Michigan, the bank maintains a Tier 1 capital ratio of 9.46% (Well-Capitalized) and a nonperforming loan ratio of 0.23%. BankHealthData assigns a composite Health Grade of B (78/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Northern Interstate Bank N A (FDIC cert 13784) is a community bank — $184M in total assets, $161M in deposits, serving the Norway, Michigan area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.46% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.23% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 53.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.60% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Northern Interstate Bank N A carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Northern Interstate Bank N A
- Total Assets
- $184M
- Total Deposits
- $161M
- Tier 1 Capital Ratio
- 9.46%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.23%
- Liquidity Ratio
- 53.65%
- Return on Assets
- 0.60%
- Headquarters
- Norway, Michigan
- FDIC Certificate
- #13784
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Northern Interstate Bank N A files quarterly Call Reports with the FDIC under Certificate #13784. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Northern Interstate Bank N A holds a Tier 1 capital ratio of 9.46%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Northern Interstate Bank N A has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Northern Interstate Bank N A shows strong financial health indicators. With $184M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Northern Interstate Bank N A Compares
Northern Interstate Bank N A’s Health Score of 78 is 4 points below the Michigan state average of 82 across 69 FDIC-insured banks. Its 9.46% Tier 1 capital ratio is 4.5 points below the US banking industry average near 14%. The 0.23% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.60% is below the national ROA benchmark of ~1.1%. Among 1499 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Northern Interstate Bank N A is 2 points below the portfolio average of 80.
Frequently Asked Questions
Northern Interstate Bank N A has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.46%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Northern Interstate Bank N A's Tier 1 capital ratio of 9.46% and nonperforming loan ratio of 0.23% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Northern Interstate Bank N A is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13784). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Northern Interstate Bank N A holds $184M in total assets and $161M in total deposits. It is headquartered in Norway, Michigan (FDIC Certificate #13784).
Northern Interstate Bank N A's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #13784 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Northern Interstate Bank N A has a Tier 1 capital ratio of 9.46%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.23%, and the return on assets is 0.60%.
Yes. Northern Interstate Bank N A is FDIC-insured (Certificate #13784). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Northern Interstate Bank N A's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.