Northern State Bank (FDIC #15242): Bank Stress & Real-Estate Credit Exposure
Northern State Bank (FDIC Cert #15242): bank stress 57/100, moderate, STABLE over 7 days; parent BAY AREA BANKING SHARES INC.
Northern State Bank (#15242) lends in 3 counties across 2 states; Northern State Bank (#15242) reaches 75 ZIP codes: Wisconsin 2 counties, 23 ZIPs; Minnesota 1 county, 52 ZIPs.
Northern State Bank (#15242) largest markets: St. Louis County, MN (52 branches, 52 ZIPs) (#15242), Bayfield County, WI (15 branches, 15 ZIPs) (#15242), Ashland County, WI (55 branches, 11 ZIPs) (#15242).
Northern State Bank (#15242) reports $330.8 million in total assets; Northern State Bank (#15242) equity $33.1 million (10.0% of Northern State Bank (#15242) assets); Northern State Bank (#15242) domestic deposits $297.1 million; Northern State Bank (#15242) net income $2.7 million; Northern State Bank (#15242) return on assets 1.66%; Northern State Bank (#15242) return on equity 16.53%; Northern State Bank (#15242) net interest income $6.1 million; Northern State Bank (#15242) call report June 30, 2026.
Northern State Bank (#15242) noncurrent real-estate loans: none reported; Northern State Bank (#15242) net charge-offs on real estate 0.26%.
Northern State Bank (#15242) net interest margin 3.94% against an eight-quarter Northern State Bank (#15242) average of 3.98% (Northern State Bank (#15242) compression 0.05 points); Northern State Bank (#15242) rate-exposure score 40/100, Northern State Bank (#15242) fixed-rate trap 40/100; Northern State Bank (#15242) risk type credit driven; Northern State Bank (#15242) rate regime rates elevated, Northern State Bank (#15242) snapshot October 19, 2026.
Northern State Bank (#15242) stress score moved from 59.8 on June 22, 2026 to 57.4 on October 20, 2026; Northern State Bank (#15242) ranged 57.4 to 59.8 over 117 snapshots.
Northern State Bank (#15242) alerts: 3 counties; top Northern State Bank (#15242) alert scores: Washburn County, WI 37 (moderate); Aurora County, WI 21 (low); Mellen County, WI 21 (low).