Northern Interstate Bank N A (FDIC #13784): Bank Stress & Real-Estate Credit Exposure

Northern Interstate Bank N A (FDIC Cert #13784): bank stress 84/100, severe, STABLE over 7 days; parent NORTHERN INTERSTATE FINL INC.

Northern Interstate Bank N A (#13784) lends in 3 counties across 1 state; Northern Interstate Bank N A (#13784) reaches 32 ZIP codes: Michigan 3 counties, 32 ZIPs.

Northern Interstate Bank N A (#13784) largest markets: Menominee County, MI (14 branches, 14 ZIPs) (#13784), Dickinson County, MI (33 branches, 11 ZIPs) (#13784), Iron County, MI (8 branches, 8 ZIPs) (#13784).

Northern Interstate Bank N A (#13784) reports $193.5 million in total assets; Northern Interstate Bank N A (#13784) equity $11.3 million (5.8% of Northern Interstate Bank N A (#13784) assets); Northern Interstate Bank N A (#13784) domestic deposits $170.8 million; Northern Interstate Bank N A (#13784) net income $851,000; Northern Interstate Bank N A (#13784) return on assets 0.88%; Northern Interstate Bank N A (#13784) return on equity 15.30%; Northern Interstate Bank N A (#13784) net interest income $2.8 million; Northern Interstate Bank N A (#13784) call report June 30, 2026.

Northern Interstate Bank N A (#13784) noncurrent real-estate loans: none reported; Northern Interstate Bank N A (#13784) net charge-offs on real estate 0.85%; Northern Interstate Bank N A (#13784) residential charge-offs 1.21%.

Northern Interstate Bank N A (#13784) net interest margin 3.15% against an eight-quarter Northern Interstate Bank N A (#13784) average of 2.87% (Northern Interstate Bank N A (#13784) compression -0.27 points); Northern Interstate Bank N A (#13784) non-residential real estate 120.7% of equity; Northern Interstate Bank N A (#13784) rate-exposure score 40/100, Northern Interstate Bank N A (#13784) fixed-rate trap 40/100; Northern Interstate Bank N A (#13784) risk type credit driven; Northern Interstate Bank N A (#13784) rate regime rates elevated, Northern Interstate Bank N A (#13784) snapshot October 19, 2026.

Northern Interstate Bank N A (#13784) stress score moved from 83.8 on June 22, 2026 to 83.5 on October 19, 2026; Northern Interstate Bank N A (#13784) ranged 83.5 to 83.8 over 116 snapshots.

Northern Interstate Bank N A (#13784) alerts: 3 counties; top Northern Interstate Bank N A (#13784) alert scores: Crystal Falls County, MI 30 (low); Powers County, MI 30 (low); Sagola County, MI 30 (low).