Associated Trust Co NA vs Northern State Bank
Side-by-side bank health comparison using FDIC financial data
Associated Trust Co NA (A) and Northern State Bank (A) are close on the BankHealth rubric. Asset bases: $82M versus $303M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Associated Trust Co NA has a stronger Bank Health Score of 100/100 (A) compared to Northern State Bank at 99/100 (A), a difference of 1 points. Associated Trust Co NA holds a Tier 1 capital ratio of 88.1% and an NPL ratio of 0.00%.
| Metric | Associated Trust Co NA | Northern State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 99/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 88.1%* | 17.2% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 33.2% | 42.2%* |
| Return on Assets Profitability metric (above 1% is strong) | 39.1%* | 2.0% |
| Total Assets | $82M | $303M |
| Total Deposits | $0 | $276M |
| Location | Milwaukee, Wisconsin | Ashland, Wisconsin |
Associated Trust Co NA has a stronger Bank Health Score of 100/100 (A) compared to Northern State Bank at 99/100 (A), a difference of 1 points. Associated Trust Co NA holds a Tier 1 capital ratio of 88.1% and an NPL ratio of 0.00%.