BlastPoint's Banking Scorecard
Northern Interstate Bank, N. A.
Norway, MI
5 branches across MI
Northern Interstate Bank, N. A. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 21.2% in tier
- - ROA 0.44% below tier average
- - Net Interest Margin 0.82% below tier average
- - Efficiency Ratio 4.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.2M
+3.6% YoY
+1.1% QoQ
|
-$192.8M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$80.4M
+7.6% YoY
+2.9% QoQ
|
-$175.3M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.4% in tier |
| Total Deposits ? |
$176.0M
+5.3% YoY
+4.2% QoQ
|
-$152.0M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
0.83%
+41.6% YoY
+17.7% QoQ
|
-0.44% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.11%
+13.6% YoY
+6.2% QoQ
|
-0.82% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio ? |
69.63%
-9.2% YoY
-2.7% QoQ
|
+4.34% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.42%
-15.9% YoY
-4.0% QoQ
|
-0.47% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
45.70%
+2.2% YoY
-1.3% QoQ
|
-30.94% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
Top 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.75%
-7.0% YoY
-3.3% QoQ
|
-12.27% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.3% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-12.6% YoY
-2.3% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
9.29%
-0.8% YoY
-0.1% QoQ
|
-6.54% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.3% in tier |
| Non-Interest Income / Assets ? |
0.09%
-1.3% YoY
-77.0% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
47% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.