Northern Interstate Bank, N. A.: how it compares with its peers
Against 21 MI banks with half to twice its assets, Northern Interstate Bank, N. A.'s strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $5.6M peer median). Its weakest relative measure is net interest margin (3.15% vs. 4.23%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.88% | 0.92% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 4.23% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.48% | 70.17% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.6M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.44% | 73.84% | Context |
What it means for lending operations
Its efficiency ratio of 67.48% is better than the 70.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Peoples State Bank of Munising Munising, MI · $190M
- The State Savings Bank of Manistique Manistique, MI · $178M
- Capitol National Bank Lansing, MI · $209M
- Bank Michigan Brooklyn, MI · $176M
- Baybank Gladstone, MI · $173M
- Bay Port State Bank Bay Port, MI · $153M
Questions about Northern Interstate Bank, N. A.
How big is Northern Interstate Bank, N. A.?
Northern Interstate Bank, N. A., established in 1901, is headquartered in Norway, MI. It reported $194M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Northern Interstate Bank, N. A.'s return on assets?
0.88% annualized in Q2 2026, against a 0.92% median for 21 MI banks with half to twice its assets, ahead of 43% of them.
What is Northern Interstate Bank, N. A.'s efficiency ratio?
67.48% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 70.17%, and lower is better.
Is Northern Interstate Bank, N. A. growing its loans?
Net loans grew 9.6% over the year to Q2 2026, while deposits shrank 2.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.