🏦Bank Scorer

THE NORTHERN STATE BANK OF GONVICK

GONVICK, MN · Supervised by FDIC

Est. 1928FDIC #10,187RSSD: FDIC-10187
Satisfactory Up

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.50%

Institution Profile

FDIC BankFind

Address

283 Main St, GONVICK, MN

County

Clearwater County

Established

May 12, 1928

Total Assets

$53M(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, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$53M

Total Deposits

$45M

Net Loans

$19M

Net Income

$202K

ROA

1.50%

ROE

10.14%

Risk-Based Capital

44.29%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$42M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 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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