Great North Bank is a state-chartered bank headquartered in Florence, Wisconsin, in business for about 135 years. At the end of Q2 2026 it reported $233.4M in total assets and $174.4M in deposits, with 3 offices.
Great North Bank has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 150th. Problem-loan coverage contributes the most (88/100, 6.0%); earnings contributes the least (0/100, -0.86%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (50 → 44), mostly because the capital cushion component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 52 |
| Q4 2024 | 47 |
| Q1 2025 | 55 |
| Q2 2025 | 50 |
| Q3 2025 | 53 |
| Q4 2025 | 49 |
| Q1 2026 | 46 |
| Q2 2026 | 44 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.43% |
| Q3 2024 | 12.34% |
| Q4 2024 | 11.69% |
| Q1 2025 | 10.95% |
| Q2 2025 | 10.59% |
| Q3 2025 | 9.68% |
| Q4 2025 | 8.92% |
| Q1 2026 | 9.43% |
| Q2 2026 | 8.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 2.20% |
| Q4 2024 | 2.69% |
| Q1 2025 | 1.44% |
| Q2 2025 | 1.60% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.40% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.07% |
| Q3 2024 | -0.80% |
| Q4 2024 | -0.41% |
| Q1 2025 | -0.39% |
| Q2 2025 | -0.67% |
| Q3 2025 | -0.23% |
| Q4 2025 | -0.17% |
| Q1 2026 | -1.34% |
| Q2 2026 | -0.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $233.4M | 8.84% | 1.40% | -0.86% | 88.2% |
| Q1 2026 | 46 | $221.8M | 9.43% | 1.51% | -1.34% | 83.7% |
| Q4 2025 | 49 | $218.2M | 8.92% | 1.40% | -0.17% | 76.9% |
| Q3 2025 | 53 | $201.7M | 9.68% | 1.17% | -0.23% | 80.6% |
| Q2 2025 | 50 | $181.7M | 10.59% | 1.60% | -0.67% | 74.1% |
| Q1 2025 | 55 | $175.3M | 10.95% | 1.44% | -0.39% | 66.3% |
| Q4 2024 | 47 | $178.7M | 11.69% | 2.69% | -0.41% | 58.7% |
| Q3 2024 | 52 | $173.7M | 12.34% | 2.20% | -0.80% | 67.1% |
| Q2 2024 | 53 | $172.3M | 11.43% | 1.72% | -1.07% | 64.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State BankBank Cadott, WI | 58 out of 100, Moderate | $237.6M | 8.8% | 0.99% | vs |
| Community Bank of CameronBank Cameron, WI | 73 out of 100, Strong | $226.9M | 9.0% | 0.53% | vs |
| Bank of MiltonBank Milton, WI | 53 out of 100, Below average | $221.4M | 9.5% | 2.34% | vs |
| Farmers & Merchants State BankBank Waterloo, WI | 72 out of 100, Strong | $245.6M | 11.1% | 0.00% | vs |
| Cleveland State BankBank Cleveland, WI | 69 out of 100, Moderate | $246.5M | 9.2% | 0.30% | vs |
| Crossbridge Community BankBank Tomahawk, WI | 81 out of 100, Strong | $216.7M | 13.1% | 0.28% | vs |
Deposit insurance
Is my money safe at Great North Bank?
Yes. Great North Bank is an FDIC-insured institution (FDIC certificate #15146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.2% of deposits ($14.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.86% (benchmark: 10%).
3 locations
Branches
Great North Bank lists 3 offices in 3 cities. Most locations:
- Eagle River, WI (1)
- Florence, WI (1)
- Niagara, WI (1)
Identity & history
Profile
- Legal name
- Great North Bank
- Former names
- State Bank of Florence
- Type
- State-chartered bank
- FDIC certificate #
- 15146
- RSSD ID
- 576354
- Primary regulator
- FDIC
- Holding company
- Multi-Bank Services Ltd
- Established
- January 1, 1891
- Headquarters
- 541 Central Ave, Florence, WI 54121
- Website
- www.greatnorthbank.com
- Employees
- 65
Quick answers
Great North Bank: common questions
Is Great North Bank FDIC insured?
Yes. Great North Bank is an FDIC-insured institution (FDIC certificate #15146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Great North Bank's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Great North Bank ever failed?
There is no failure record for FDIC certificate #15146 in the FDIC failed bank list.
How many branches does Great North Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Florence
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Iron Mountain Kingsford Community Federal Credit UnionCredit union Kingsford, MI | 96 out of 100, Very strong | $149.4M | 17.9% | 0.18% | vs |
| The Miners State BankBank Iron River, MI | 82 out of 100, Strong | $134.8M | 12.2% | 0.00% | vs |
| First Bank, Upper MichiganBank Gladstone, MI | 81 out of 100, Strong | $629.5M | 12.7% | 0.63% | vs |
| Range BankBank Marquette, MI | 80 out of 100, Strong | $604.1M | 10.8% | 0.03% | vs |
| U.P. State Credit UnionCredit union Escanaba, MI | 79 out of 100, Strong | $210.3M | 13.2% | 1.10% | vs |
| Forward Financial Credit UnionCredit union Niagara, WI | 75 out of 100, Strong | $85.9M | 13.5% | 0.79% | vs |