Headquartered in Gonvick, Minnesota, The Northern State Bank of Gonvick is a state-chartered bank with $50.6M in total assets and $42.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1928.
The Northern State Bank of Gonvick has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 17th. Capital cushion contributes the most (100/100, 15.75%); loan quality contributes the least (67/100, 1.00%).
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 rose 4 points (82 → 86), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 84 |
| Q4 2024 | 85 |
| Q1 2025 | 83 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 85 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.43% |
| Q3 2024 | 16.63% |
| Q4 2024 | 15.23% |
| Q1 2025 | 15.22% |
| Q2 2025 | 15.50% |
| Q3 2025 | 16.85% |
| Q4 2025 | 14.85% |
| Q1 2026 | 14.97% |
| Q2 2026 | 15.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.66% |
| Q3 2024 | 1.42% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.24% |
| Q4 2025 | 0.79% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.67% |
| Q4 2024 | 1.77% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $50.6M | 15.75% | 1.00% | 1.55% | 44.4% |
| Q1 2026 | 85 | $53.5M | 14.97% | 1.02% | 1.50% | 40.9% |
| Q4 2025 | 85 | $54.6M | 14.85% | 0.79% | 1.27% | 37.7% |
| Q3 2025 | 82 | $48.1M | 16.85% | 1.24% | 1.24% | 43.3% |
| Q2 2025 | 82 | $50.3M | 15.50% | 1.20% | 1.23% | 38.2% |
| Q1 2025 | 83 | $52.4M | 15.22% | 1.23% | 1.41% | 36.3% |
| Q4 2024 | 85 | $53.2M | 15.23% | 1.32% | 1.77% | 35.1% |
| Q3 2024 | 84 | $47.5M | 16.63% | 1.42% | 1.67% | 40.2% |
| Q2 2024 | 80 | $50.0M | 15.43% | 1.66% | 1.48% | 37.2% |
546 peers · Under $100 million in assets
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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State Bank of OkleeBank Oklee, MN | 98 out of 100, Very strong | $48.8M | 15.8% | 0.00% | vs |
| Farmers and Merchants State Bank of AlphaBank Alpha, MN | 46 out of 100, Below average | $47.4M | 11.1% | 4.15% | vs |
| The First National Bank of McIntoshBank Mcintosh, MN | 86 out of 100, Very strong | $47.0M | 20.2% | 1.16% | vs |
| State Bank of Lake ParkBank Lake Park, MN | 69 out of 100, Moderate | $47.0M | 11.0% | 1.52% | vs |
| State Bank of TauntonBank Taunton, MN | 55 out of 100, Moderate | $46.6M | 13.4% | 4.06% | vs |
| State Bank of BellinghamBank Bellingham, MN | 62 out of 100, Moderate | $46.4M | 14.8% | 2.50% | vs |
Deposit insurance
Is my money safe at The Northern State Bank of Gonvick?
Yes. The Northern State Bank of Gonvick is an FDIC-insured institution (FDIC certificate #10187). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.7% of deposits ($10.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 47.46% (benchmark: 10%).
1 location
Branches
The Northern State Bank of Gonvick lists 1 office in 1 city. Most locations:
- Gonvick, MN (1)
Identity & history
Profile
- Legal name
- The Northern State Bank of Gonvick
- Type
- State-chartered bank
- FDIC certificate #
- 10187
- RSSD ID
- 75455
- Primary regulator
- FDIC
- Established
- May 12, 1928
- Headquarters
- 283 Main St, Gonvick, MN 56644
- Website
- www.nsbgonvick.com
- Employees
- 5
Quick answers
The Northern State Bank of Gonvick: common questions
Is The Northern State Bank of Gonvick FDIC insured?
Yes. The Northern State Bank of Gonvick is an FDIC-insured institution (FDIC certificate #10187). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Northern State Bank of Gonvick's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Northern State Bank of Gonvick ever failed?
There is no failure record for FDIC certificate #10187 in the FDIC failed bank list.
How many branches does The Northern State Bank of Gonvick have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gonvick
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State Bank of OkleeBank Oklee, MN | 98 out of 100, Very strong | $48.8M | 15.8% | 0.00% | vs |
| The First National Bank of McIntoshBank Mcintosh, MN | 86 out of 100, Very strong | $47.0M | 20.2% | 1.16% | vs |
| Ultima Bank MinnesotaBank Winger, MN | 72 out of 100, Strong | $333.9M | 10.8% | 0.62% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |
| The First National Bank of BagleyBank Bagley, MN | 60 out of 100, Moderate | $129.2M | 7.9% | 1.02% | vs |