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This institution is no longer active

Operations ceased on March 17, 1997. CRA examination history below reflects the period it was active.

NORTHERN STATE BANK

COEUR D'ALENE, ID · Supervised by FDIC

Est. 1979FDIC #22,777RSSD: FDIC-22777
Part ofW T B FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

218 Lakeside Street, COEUR D'ALENE, ID

County

Kootenai County

Established

January 2, 1979

Total Assets

$105M(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

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 1996Call Report / FDIC

Total Assets

$105M

Total Deposits

$94M

Net Loans

$71M

Net Income

$1M

ROA

1.34%

ROE

15.90%

Risk-Based Capital

13.79%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.25%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202440076.5%7.25%
202342676.29%7.51%
202291686.68%3.49%
20211,11283.18%5.67%
20201,25981.41%5.96%
201989183.28%6.06%
201873482.56%7.22%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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