🏦Bank Scorer

NORTHERN STATE BANK

ASHLAND, WI · Supervised by FDIC

Est. 1933FDIC #15,242RSSD: FDIC-15242
Part ofBAY AREA BANKING SHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.47%

Institution Profile

FDIC BankFind

Address

321 Main St W, ASHLAND, WI

County

Ashland County

Established

September 5, 1933

Total Assets

$329M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$329M

Total Deposits

$296M

Net Loans

$148M

Net Income

$1M

ROA

1.47%

ROE

14.67%

Risk-Based Capital

18.93%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$273M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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