Northern State Bank of Thief River Falls

BankThief River Falls, Minnesota
www.nsbtrf.com

Total Assets

$494.3M

Total Deposits

$444.8M

Branches

3

Established

1935

TFS Health Grade

$
D+

68.7 / 100

Below average financial health

How we grade

Northern State Bank of Thief River Falls is a bank headquartered in Thief River Falls, Minnesota, established in 1935. With $494.3M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (68.7/100).

Capital & Safety

Tier 1 Capital Ratio
9.91%(8%)
Total Capital Ratio
24.61%(10%)
Non-Performing Loan Ratio
0.35%

Profitability

Return on Assets (ROA)
0.94%(1%)
Return on Equity (ROE)
9.12%(10%)
Net Interest Margin
2.64%
Efficiency Ratio
56.16%(60%)

Lending & Liquidity

Total Loans
$198.9M
Loan-to-Deposit Ratio
44.15%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+5.02%
Deposit Growth (YoY)
+5.05%
Net Income
$4.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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