BlastPoint's Banking Scorecard
Northern State Bank of Thief River Falls
Micro
Specialty: Agricultural
MN
FDIC cert 15286
Designations: ✓ Community bank
Thief River Falls, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Northern State Bank of Thief River Falls has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.38% below tier
- + Tier 1 Capital Ratio 14.51% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.21% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$494.3M
+5.0% YoY
+10.7% QoQ
|
+$276.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$196.4M
+2.1% YoY
+1.0% QoQ
|
+$57.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$444.8M
+5.0% YoY
+12.6% QoQ
|
+$261.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.94%
-28.8% YoY
+5.0% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
2.64%
-9.2% YoY
-1.4% QoQ
|
-1.21% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
56.16%
+12.1% YoY
+0.5% QoQ
|
-11.56% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.36%
-37.5% YoY
-41.1% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
44.15%
-2.8% YoY
-10.4% QoQ
|
-30.38% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.55%
-5.3% YoY
-11.1% QoQ
|
-10.85% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-39.2% YoY
-46.3% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
23.36%
-5.9% YoY
-10.1% QoQ
|
+14.51% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.15%
-31.3% YoY
+18.9% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
44.15%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.36%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.64%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Deposits
Current: $444.8M · Tier avg: $183.7M
100
100th pctile
Total Assets
Current: $494.3M · Tier avg: $217.5M
92
92th pctile
Loan-to-Deposit Ratio
Current: 44.15% · Tier avg: 74.53%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.36% · Tier avg: 8.85%
78
78th pctile
Efficiency Ratio
Current: 56.16% · Tier avg: 67.73%
73
73th pctile
Total Loans
Current: $196.4M · Tier avg: $139.2M
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.55% · Tier avg: 22.39%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.55% · Tier avg: 22.39%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
73
73th pctile
Total Loans
Current: $196.4M · Tier avg: $139.2M
78
78th pctile
Efficiency Ratio
Current: 56.16% · Tier avg: 67.73%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.36% · Tier avg: 8.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 44.15% · Tier avg: 74.53%
100
100th pctile
Total Assets
Current: $494.3M · Tier avg: $217.5M
100
100th pctile
Total Deposits
Current: $444.8M · Tier avg: $183.7M