Call reports 2026
NORTHERN STATE BANK — 2026
What NORTHERN STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 328,842,000 | 330,768,000 |
| Total loans | 150,129,000 | 156,448,000 |
| Allowance for loan losses | 1,653,000 | 1,748,000 |
| Securities available for sale | 106,957,000 | 113,645,000 |
| Securities held to maturity | 0 | 2,727,000 |
| Trading assets | 0 | 0 |
| Total deposits | 295,604,000 | 297,092,000 |
| Interest-bearing deposits | 271,499,000 | 265,476,000 |
| Noninterest-bearing deposits | 24,105,000 | 31,616,000 |
| Equity capital | 32,756,000 | 33,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,984,000 | 8,199,000 |
| Interest expense | 1,049,000 | 2,132,000 |
| Net interest income | 2,935,000 | 6,067,000 |
| Noninterest income | 349,000 | 624,000 |
| Noninterest expense | 1,897,000 | 3,649,000 |
| Provision for loan losses | 109,000 | 205,000 |
| Pretax income | 1,237,000 | 2,792,000 |
| Income tax | 21,000 | 53,000 |
| Net income | 1,216,000 | 2,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 32,615,000 | 33,236,000 |
| Total capital | 34,406,000 | 35,126,000 |
| Risk-weighted assets | 181,767,000 | 194,304,000 |