# NORTHVIEW BANK
SANDSTONE, MN · FDIC certificate 10956 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $469.7M | |
| Deposits | $392.5M | |
| Loans and leases | $381.8M | |
| Total equity | $51.0M | |
| Loans / deposits | 96.03% (p83 of band) | 82.04% |
| Liquid assets / assets | 14.20% (p14 of band) | |
| Uninsured deposits / deposits | 11.38% (p6 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.22% (p59 of band) | |
| FHLB advances / assets | 5.22% | |
| Tier 1 leverage | 10.75% (p49 of band) | 10.81% |
| Unrealized securities loss / equity | -4.12% (p67 of band) | -8.10% |
| AOCI / equity | 0.42% (p91 of band) | |
| ROA (annualized) | 1.57% (p68 of band) | 1.28% |
| Net interest margin | 5.01% (p93 of band) | 3.91% |
| Efficiency ratio | 64.01% (p58 of band) | |
| Noncurrent loans | 0.46% (p52 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p6 of band) | |
| Reserve coverage of noncurrent | 278.53% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 188.22% (p99 of band) | |
| Auto loans | $4.1M (1.08% of loans; DQ 0.80%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 115 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 2 |  | brokered >10%, wholesale funding >15% |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | deposits shrinking |  |
| 2012-12 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 3 | uninsured deposits leaving |  |
| 2013-09 | 2 |  | uninsured deposits leaving |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | reserve under noncurrent |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 2 | reserve under noncurrent |  |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 2 | capital falling | reserve under noncurrent |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 4 | losing money, expense ratio p90 |  |
| 2024-06 | 1 |  | capital falling, losing money, expense ratio p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-02-24 [Pending approval, new PR bank to be called Northview - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMingFBVV95cUxOWGxKSkxxaUt0bmFVaDNvZ1pCaDZCOGtHbnNEVXdKR2NmekZvT3hweXlaUEQ2bm5waVJMRTBvbVlhX08zYk0wYldIem9oNjZxSkhSZ2FMajRYeWRycW1mT1pXejQ0VHRSeEJJOTQ3ZmRRQXl5Q01xZlBpSGVQejhPWjJfdm4wMlRGQ1RIOVM4VTh6S0xuV3NveExPSTFTUQ?oc=5) · Park Rapids Enterprise
- 2026-04-17 [Park Rapids branch tops donations in Northview Bank food drive - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMirAFBVV95cUxOTVJ6RW9ySDVnUGs4OWU4R2gzbWNSNE9XWXRSTmM5WHpXLWlIODEtejNXazlQckJrajIzX1o0Nk9OT0pfMlFOODlpUlJsemExM3Jta0hnYXhvTE5TLVNXY1hKQzRUSzI3TGstQTV3V0N2ZXJfdFpDaDJ4em9DLTFZRFR1SmlGQ0hTSUJZcnZGekVxQjVTNHhwbWR5NlBSSVNmZ0sxb2dtVEhwMkpZ?oc=5) · Park Rapids Enterprise
- 2014-07-23 [Brooklyn Center man arrested for Barnum bank robbery - hometownsource.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOUnVaWjBXazRPbUtfVGpYOTZiMUlMYnZyN0VybExXbm9GbW80WGZtVGJScUUxWkZMbXJNSUYwVmxhZ2RkMkoyajNuc2xrSERjUkRrN3M3SnJLb2ZfaktfYU5maGY3Wk02M3dLcTV4V01DcENheldRMWE5T0xVdjV5SHFiVkRfdXpGeVotLVVBbUZFWWNLeWxTRXFJV0lpYkpydV9fZmw1UGFjWm9hZFp1RVNMV3JQMzRxMHJMOWNQMGYyY0hqdDNET2RNTmxlYk9yVTEydjF5TzFTV1ZrRzY4bXM5SEVOeTFsenZBb3ZQV3hxQQ?oc=5) · hometownsource.com
- 2014-07-16 [Accused Barnum bank robber was student at FDLTCC - Pine Journal | Cloquet, Minnesota](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPMXRjSFhZUXd2WXl3ZEIzc0I4VlQyeE5Nbmh1TnMySzkyNEozNVI3d2ZuUmFEUVBLaFAwMjI2OW5MZUY1cDBONldDblJSUVkyLWVOUkVVUVF4bTc2TklZd2JWd1hTSWpMcHBRWDd4SmQ1Wk9uWmE0dWtoY3hLajgtNW8xT3FXMzZC?oc=5) · Pine Journal | Cloquet, Minnesota
- 2018-05-20 [Business people - startribune.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBoRlNLVl9HZnRyc0Zqc19wbXE5a3MtMEI4Y1Z2MnpQclIxel9NZUd5dzJ5cW12MjJSOVhsN3ZqbTFnMzBnOWNCOGpWdDlHQW9OR3k3ZzMwTXBPWktfdFZQRUxJYw?oc=5) · startribune.com
- 2015-06-19 [Transition to Northview Bank is a smooth one - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMijwFBVV95cUxNWkg3V002THY4bEtZU2gyazZxMFBLb1FoRC1IcWMtUmhEeVNxVjh6elZwQjM4aEt5U00xV285X1hlRjFkWFowazd3a1AzdzY3T1pGSGlWNmNEX19TbEZKak51TkZaQXRLaERMalRHSU1nRVp4bGZLdmtUQk11Tm9DMXBPaU5udko2azJ3c2w0bw?oc=5) · Park Rapids Enterprise
- 2025-07-10 [Hubbard County investments are ‘doing well’ - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMikwFBVV95cUxOcWhGM3o0YTdhYjl1dUhXaG9tU1RRUll6MUYxVWRZVjBTZ0F3MllxRy1jNm9oeU1jZURHMENFd2s4QlFOOHFtSnZocTdDM2NMZmpwVTJzZHZ2VjB5Nk1MVEYyTUV5MzRnaHEtOXV5cVByakpmWHktVXQ1alR4MW9mRy1La2ZrWlZWWHhMZXhSa0RoMnM?oc=5) · Park Rapids Enterprise
- 2021-10-19 [$208,000 grant will boost Park Rapids businesses - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMimAFBVV95cUxPNFk4NHQ0cnlTR0FnOGF4dTcxQ2VYMUdPaWUwZjlheERjTUZQWWEtSVhxQmtKcXFlLVh4cnY5OGxEYmUyS095M2lPeG5JTTFEQTZrY1RxQjNKVUVnWWdvc3V4TUdiYV9BN29fMW02amtuSmtmWE9oU09HLVEzRnllWEoxMUpTemgtaUJMTDlWa3ZlSkxuYWphVA?oc=5) · Park Rapids Enterprise

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10956 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "10956", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide