# NORTHLAND FINANCIAL
STEELE, ND · FDIC certificate 13202 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $196.9M | |
| Deposits | $170.3M | |
| Loans and leases | $158.3M | |
| Total equity | $23.9M | |
| Loans / deposits | 92.91% (p83 of band) | 73.61% |
| Liquid assets / assets | 12.24% (p7 of band) | |
| Uninsured deposits / deposits | 13.48% (p49 of band) | 13.65% |
| Brokered deposits | 4.06% | |
| Wholesale funding | 4.69% (p64 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.83% (p34 of band) | 10.70% |
| Unrealized securities loss / equity | 0.68% (p46 of band) | 0.86% |
| AOCI / equity | 0.59% (p75 of band) | |
| ROA (annualized) | 0.12% (p9 of band) | 0.84% |
| Net interest margin | 0.55% (p1 of band) | 3.64% |
| Efficiency ratio | 80.44% (p69 of band) | |
| Noncurrent loans | 0.23% (p30 of band) | 0.69% |
| Net charge-offs (annualized) | 0.01% (p45 of band) | |
| Reserve coverage of noncurrent | 3.78% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 19.95% (p57 of band) | |
| Auto loans | $1.1M (0.70% of loans; DQ 0.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 2 | NIM <2.5%, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |

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

- 2013-10-28 [Robbery arrests; Two suspects accused in Medina bank robbery - Jamestown Sun](https://news.google.com/rss/articles/CBMimAFBVV95cUxQOWNHLWdtZmhocnBaWG1HeThlbFcyeVQxN3NuanQzR0UwdXBBN3VjdWs1b2syR1dmZ2YxSWlsdHJnTUF1RmZXUTlwMkNtbHVLNHRNbndDSHMxTllGTC03WXlkT1Y0WU5vemlZem5TdHh3VGJnNTRHWGhzWVVGUHJTVW1xWkpMcWw4SnNNdkpfTjNfaERpZGY0Vg?oc=5) · Jamestown Sun
- 2022-10-26 [Terry Scott Strand Obituary Dec 26, 2016 - eastgatefuneral.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9xU2RUTXVhbjVQLUM3RVVlWmZ2U0NQSGJDRy1LNlRWUDRJc2ZsMS02VF9TU0FoZkduV1czNU5kZUZ6RFdsVVVubVRfUHRZX1FxV2VEV2l5RFl3YWN4ZlVN?oc=5) · eastgatefuneral.com
- 2021-04-14 [Northland Power Announces Entry Into Spanish Renewables Market - Northland Power Inc.](https://news.google.com/rss/articles/CBMilAFBVV95cUxQbVA3QlY5TTQwZW1MTWdzd0cxY1huMWFiUnlWV3p2UnhsaUgzRnM5bklNSHNrc2wxaDVMdU9SQm8yV2JjUmZOZEtQVnNwUVdPaHNWU0Y2Wmd2alFndlk2N3U5bWxDNmIycl9pN1hFWXRDNVQ0NWRldVFYd2lfYUpBT3dxQTNQNUo4OUVZeGlEOWRROG9z?oc=5) · Northland Power Inc.
- 2014-01-23 [One Medina Bank Robber Pleads Guilty - News Dakota](https://news.google.com/rss/articles/CBMigAFBVV95cUxPSTBvWmlXM245Ny16amZMTVBGMWMzRXdGUEU3ZTk4NVUzVHRUbGtWQUx4NUpSYlh2VDIzTDk5V0l3NFJ0N3dvWEE1Q1UwU2d5SGJBRDFHVnBlaGdzWXJKR0p2SlMzTGFJY3pnVWdKNDQ2VElRWXFVcThPcklNSUxkOA?oc=5) · News Dakota
- 2024-04-12 [Project financing helps Northland Power become a wind energy leader - Export Development Canada (EDC)](https://news.google.com/rss/articles/CBMiigFBVV95cUxNQnFFSi1mZnhsNmRQNW1fSEtiM3pLR29VbktzM3ppV1dROEVaUVpoblVxbkstRDJJemxtM0JVSThOYUVjSUd0ZnZ1SVJjQ2txUmxMU09XV0xVTUt6em9Pem02WWtOTFhvelVTUFFNSG9uaS1RZE1tT3FLd3M4cm5xRHhEUTZVQnVwM1E?oc=5) · Export Development Canada (EDC)
- 2013-10-26 [Two robberies: Carrington, Medina banks robbed in 24 hours - Jamestown Sun](https://news.google.com/rss/articles/CBMilAFBVV95cUxNQ2llT3V4a05CczY1MnlpMTVFUzFvRVlVNk41dVpQRDFHNXBJM3VnU21RRVM5bk45NHZFWFhZeE9OcWxiRjdtYkRfaVh1Z3FRQzhsRk5OdnJzY245bm8xREFqY1R1dVZXelZZVnNGUjdOMjBlOXRFYURoWkk4cDRYaG1zUmdEQWNpbmtnX2MyX3kxdWFK?oc=5) · Jamestown Sun
- 2016-12-29 [Terry Strand Obituary (2016) - Bismarck, ND - The Bismarck Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcEUtLUNYWWppTzlmc0VtRVZlb0ZHaV9TLW9fYmo0Y1luOGpqWVhBME15MVFYVXl4WUJ3cUthWlZaWFIzNVdTYjhKRnoxVllJMTJha0FSN0c2aUtSdEJyZC1rTWtwaW1vbGhzZFZQR2NpdTdEdWtqTDNZSWkxMy03Y2ZOQkZDUXRPd3ZLd2JDUWllSVRQSVE?oc=5) · Legacy obituary
- 2013-03-24 [Fred Bon Obituary (2013) - Bismarck, ND - The Bismarck Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxPOU84ZGlTRzhHZl9SZ0NmTnJ6cmlHQjBMWkRCdmYzNWVsMC0tam93bFFwR2dzcVc4RFp2anNDaGNIZkxTcUZMQ0dNUWdyNV9fcG42aUQ2VWF2Q19pS1NNWkRGU1U5VlhjUzh6UThIMXhVVEowS0pEY0pWS3EwU0lfUC1kZEFjcE5XQjl2bW10YnY?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13202 (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/18.json (key "13202", 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