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Northern State Bank Of Thief River Falls
Thief River Falls, MN · FDIC Certificate #15286 · Chartered 08/2
Total assets
$549.99M
Total deposits
$499.31M
Total equity
$49.01M
Net loans
$193.24M
Branches (offices)
3
Net income (YTD)
$2.79M
Rank: #1,670 of 4,213 U.S. banks by assets · #44 of 221 in Minnesota. Assets changed 19.2% and deposits 21.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 11.52% |
| Net interest margin (YTD) | 2.57% |
| Equity to assets | 8.91% |
| Tier 1 leverage ratio | 9.92% |
| Uninsured deposits (share of deposits) | 47.3% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 38.7% |
| Real estate loans (share of loans) | 66.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $128.52M | 66.5% | |
| Commercial & industrial | $30.29M | 15.7% | |
| Consumer / individual | $18.50M | 9.6% | |
| Construction & development | $3.90M | 2.0% | |
| Agricultural | $18.61M | 9.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $461.63M | $426.54M | $1.27M | $34.50M |
| Jun 2023 | $433.53M | $393.62M | $4.32M | $38.96M |
| Jun 2024 | $443.01M | $395.25M | $2.76M | $46.13M |
| Jun 2025 | $461.45M | $411.36M | $1.94M | $48.45M |
| Jun 2026 | $549.99M | $499.31M | $2.79M | $49.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $499.31M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $499.31M.
Similar-sized banks
Mound City Bank ($550.67M) · Citizens Bank Of Kansas ($548.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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