TellerScore

Northern Interstate Bank, N. A. is a national bank headquartered in Norway, Michigan, in business for about 125 years. At the end of Q2 2026 it reported $193.5M in total assets and $170.8M in deposits, with 5 offices.

Northern Interstate Bank, N. A. has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 41st. Problem-loan coverage contributes the most (90/100, 5.1%); capital cushion contributes the least (44/100, 9.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.36%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.75%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 47.4% · 25.1% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.07%

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 2 points (67 → 65), mostly because the loan quality component weakened by 14 points.

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202467
Q4 202468
Q1 202566
Q2 202567
Q3 202568
Q4 202567
Q1 202667
Q2 202665
Tier 1 leverage ratio
5.00%7.24%9.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.46%
Q3 20249.48%
Q4 20249.41%
Q1 20259.37%
Q2 20259.20%
Q3 20259.23%
Q4 20259.30%
Q1 20269.29%
Q2 20269.36%
Noncurrent loans
0.23%0.49%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.41%
Q4 20240.32%
Q1 20250.49%
Q2 20250.33%
Q3 20250.27%
Q4 20250.43%
Q1 20260.41%
Q2 20260.75%
Return on assets
0.51%0.70%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.52%
Q4 20240.54%
Q1 20250.58%
Q2 20250.68%
Q3 20250.73%
Q4 20250.70%
Q1 20260.83%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$193.5M9.36%0.75%0.88%47.4%
Q1 202667$193.2M9.29%0.41%0.83%45.7%
Q4 202567$191.1M9.30%0.43%0.70%46.3%
Q3 202568$191.9M9.23%0.27%0.73%44.0%
Q2 202567$191.4M9.20%0.33%0.68%42.1%
Q1 202566$186.5M9.37%0.49%0.58%44.7%
Q4 202468$186.3M9.41%0.32%0.54%46.6%
Q3 202467$186.4M9.48%0.41%0.52%46.2%
Q2 202469$184.4M9.46%0.23%0.51%43.2%

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).

Capital ratio9.36%
18th
Total risk-based capital0.00%
24th
Problem loans0.75%
35th
Net charge-offs0.02%
41st
Return on assets0.88%
28th
Net interest margin3.15%
15th
Efficiency ratio67.5%
36th
Loans to deposits47.4%
93rd
Uninsured deposits25.1%
46th
Loan-loss reserves0.96%
22nd
Texas ratio5.1%
36th

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State Bank of MunisingBank Munising, MI48 out of 100, Below average$190.4M12.7%3.39%vs
The State Savings Bank of ManistiqueBank Manistique, MI66 out of 100, Moderate$178.2M9.6%0.70%vs
Capitol National BankBank Lansing, MI75 out of 100, Strong$209.3M16.7%1.49%vs
Bank MichiganBank Brooklyn, MI62 out of 100, Moderate$176.0M11.3%1.03%vs
BaybankBank Gladstone, MI56 out of 100, Moderate$173.4M10.7%2.02%vs
Bay Port State BankBank Bay Port, MI71 out of 100, Strong$153.4M10.9%0.65%vs

Deposit insurance

Is my money safe at Northern Interstate Bank, N. A.?

Yes. Northern Interstate Bank, N. A. is an FDIC-insured institution (FDIC certificate #13784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.1% of deposits ($42.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.36%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Northern Interstate Bank, N. A. lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northern Interstate Bank, N. A.
Former names
The First National Bank of Norway
Type
National bank
FDIC certificate #
13784
RSSD ID
289056
Primary regulator
OCC
Holding company
Northern Interstate Finl Inc
Established
June 12, 1901
Headquarters
501 W Us Highway 2, Norway, MI 49870
Employees
30

Quick answers

Northern Interstate Bank, N. A.: common questions

Is Northern Interstate Bank, N. A. FDIC insured?

Yes. Northern Interstate Bank, N. A. is an FDIC-insured institution (FDIC certificate #13784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northern Interstate Bank, N. A.'s TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Northern Interstate Bank, N. A. ever failed?

There is no failure record for FDIC certificate #13784 in the FDIC failed bank list.

How many branches does Northern Interstate Bank, N. A. have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Norway

InstitutionScoreAssetsCapitalProblem loansCompare
Iron Mountain Kingsford Community Federal Credit UnionCredit union Kingsford, MI96 out of 100, Very strong$149.4M17.9%0.18%vs
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Range BankBank Marquette, MI80 out of 100, Strong$604.1M10.8%0.03%vs
U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Forward Financial Credit UnionCredit union Niagara, WI75 out of 100, Strong$85.9M13.5%0.79%vs
Upper Peninsula State BankBank Escanaba, MI72 out of 100, Strong$371.7M13.4%1.09%vs