BlastPoint

BlastPoint's Banking Scorecard

Northern Interstate Bank, N. A.

$100M-$1B Specialty: Other MI FDIC cert 13784

Norway, MI

5 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits -2.6% year over year ($170.8M on the books).
  • Delinquency rate 0.76%.
  • Return on assets 0.88%.
  • Efficiency ratio 67.48% vs a 64.48% peer average.
  • Loan-to-deposit ratio 47.44% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

Northern Interstate Bank, N. A. has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 11.8% in tier
  • - Deposit Outflow: Bottom 16.5% in tier
  • - Flatlined Growth: Bottom 37.6% in tier
  • - NIB Deposit Bleed: Bottom 56.8% in tier
  • - ROA 0.44% below tier average
  • - Net Interest Margin 0.84% below tier average
  • - Efficiency Ratio 3.00% above tier average
Get updates when Northern Interstate Bank, N. A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $193.5M
+1.1% YoY +0.1% QoQ
-$193.1M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $81.0M
+9.6% YoY +0.8% QoQ
-$177.3M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
Bottom 10.9% in tier
Total Deposits ? $170.8M
-2.6% YoY -2.9% QoQ
-$155.9M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 0.88%
+30.6% YoY +6.9% QoQ
-0.44% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 3.15%
+10.4% YoY +1.3% QoQ
-0.84% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
Bottom 14.5% in tier
Efficiency Ratio ? 67.48%
-7.1% YoY -3.1% QoQ
+3.00% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 0.76%
+130.2% YoY +81.6% QoQ
-0.16% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 47.44%
+12.6% YoY +3.8% QoQ
-30.51% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
Top 7.2% in tier
Non-Interest-Bearing Deposit Share ? 9.71%
-18.1% YoY -0.4% QoQ
-12.32% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Bottom 10.1% in tier
Nonperforming Asset Ratio ? 0.32%
+149.5% YoY +82.7% QoQ
-0.35% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 9.36%
+1.8% YoY +0.8% QoQ
-6.54% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
Bottom 3.6% in tier
Non-Interest Income / Assets ? 0.20%
+2.7% YoY +111.4% QoQ
-0.37% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Noninterest-Bearing 9.7%
-2.1pp YoY
0.0pp QoQ
 -12.4pp 22.1% 25.9% 22.2% 10%
Brokered Deposits n/a n/a 7.9% 12.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 7.2%
+0.3pp YoY
+0.6pp QoQ
 -4.3pp 11.6% 12.8% 12.5% 34%
CRE 31.7%
+0.1pp YoY
0.0pp QoQ
 -7.9pp 39.5% 45.9% 41.4% 37%
1-4 Family 56.8%
-0.7pp YoY
-0.3pp QoQ
 +24.2pp 32.6% 33.6% 31.3% 87%
Consumer 4.7%
+0.4pp YoY
-0.3pp QoQ
 +0.6pp 4.1% 4.6% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.9% 19.7% n/a
Leverage Ratio 9.4%
+0.2pp YoY
+0.1pp QoQ
 -2.8pp 12.2% 12.3% 12.6% 18%
Total Capital Ratio n/a n/a 19.9% 27.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 30
+1 (+3.4%) YoY
0 QoQ
 -29 58 134 482 26%
Assets per Employee ($) $6.5M
-2.3% YoY
+0.1% QoQ
 -$1.1M $7.5M $6.8M $8.8M 42%
Branch Count 5
0 YoY
0 QoQ
 0 4 9 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.4pp YoY
+0.2pp QoQ
 +0.1pp 0.3% 0.2% 0.4% 81%
Nonaccrual 0.3%
0.0pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 38%
Allowance Coverage 1.28x
-60.7% YoY
-45.4% QoQ
 -22.88x 24.15x 6.79x 20.23x 34%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 15.3%
+1.6pp YoY
+0.9pp QoQ
 +3.1pp 12.2% 11.7% 11.6% 69%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.5% 1.7% 15%
Net Income ($, YTD) $851,000
+33.8% YoY
— QoQ
 -$1.7M $2.6M $7.3M $40.4M 22%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk
#79 of 661 • Bottom 11.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.36%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Outflow

decline
#89 of 535 • Bottom 16.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#200 of 529 • Bottom 37.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.88%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

NIB Deposit Bleed

decline
#93 of 162 • Bottom 56.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 9.71%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

191
Loan-to-Deposit Ratio
liquidity
Value: 47.44%
Peer Median: 77.95%
#191 of 2643 Top 7.2% in $100M-$1B

Top Weaknesses (4 metrics)

2548
Tier 1 Capital Ratio
capital
Value: 9.36%
Peer Median: 15.91%
#2548 of 2643 Bottom 3.6% in $100M-$1B
2378
Non-Interest-Bearing Deposit Share
funding
Value: 9.71%
Peer Median: 22.03%
#2378 of 2643 Bottom 10.1% in $100M-$1B
2357
Total Loans
size
Value: $81.05M
Peer Median: $258.35M
#2357 of 2643 Bottom 10.9% in $100M-$1B
2261
Net Interest Margin
profitability
Value: 3.15%
Peer Median: 3.99%
#2261 of 2643 Bottom 14.5% in $100M-$1B
Powered by BlastPoint © 2026