Northern State Bank

BankAshland, Wisconsin
http://www.nsbashland.com

Total Assets

$330.9M

Total Deposits

$297.1M

Branches

7

Established

1933

TFS Health Grade

$
C

74.0 / 100

Average financial health

How we grade

Northern State Bank is a bank headquartered in Ashland, Wisconsin, established in 1933. With $330.9M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (74.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.94%(8%)
Total Capital Ratio
18.57%(10%)
Non-Performing Loan Ratio
0.88%

Profitability

Return on Assets (ROA)
1.87%(1%)
Return on Equity (ROE)
18.65%(10%)
Net Interest Margin
4.00%
Efficiency Ratio
51.97%(60%)

Lending & Liquidity

Total Loans
$155.0M
Loan-to-Deposit Ratio
51.65%
Net Charge-Off Ratio
0.30%

Growth

Asset Growth (YoY)
+8.83%
Deposit Growth (YoY)
+8.13%
Net Income
$5.9M

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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