Northern State Bank of Thief River Falls Rates and Review February 2026
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Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Rate Updates and AvailabilityNorthern State Bank of Thief River Falls money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northern State Bank of Thief River Falls? Share your experience about Northern State Bank of Thief River Falls by leaving a review below, or read customer reviews before you decide to use Northern State Bank of Thief River Falls. Northern State Bank of Thief River Falls Texas RatioNorthern State Bank of Thief River Falls's Texas Ratio is at 2.14%, which is considered excellent. The Texas Ratio for Northern State Bank of Thief River Falls is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Northern State Bank of Thief River Falls has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Northern State Bank of Thief River Falls is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Northern State Bank of Thief River Falls
201 3rd St E
Thief River Falls, MN 56701 
Current Rate AvailabilityWe do not have Northern State Bank of Thief River Falls rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Northern State Bank of Thief River Falls is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Northern State Bank of Thief River Falls rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Northern State Bank of Thief River Falls's official website for the most current offers and terms.
Bank Profile & OverviewNorthern State Bank of Thief River Falls
201 3rd St EThief River Falls, MN 56701 Pennington Established Date: 08/24/1935 FDIC Certificate #: 15286 Date of FDIC Deposit Insurance: 10/02/1935 Bank Holding Company: GATO HOLDINGS INC How Many Domestic U.S. Offices? 3 How Many Branches are There? 3 Website: https://www.nsbtrf.com
Is Northern State Bank of Thief River Falls FDIC Insured? Yes
What is Northern State Bank of Thief River Falls's Cert number? 15286
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$464,454,000
Total Deposits:
$418,762,000
Equity Capital:
$44,165,000
Net Income:
$890,000
Return on Assets (ROA):
1.6232%
Return on Equity (ROE):
18.7800%
Headquarters:
Thief River Falls
Regulator:
FDIC
# of Offices:
3
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Northern State Bank of Thief River Falls yet. Feel free to create one below.
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Frequently Asked Questions About Northern State Bank of Thief River FallsHow do I open an account at Northern State Bank of Thief River Falls?You can typically open an account at Northern State Bank of Thief River Falls by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Northern State Bank of Thief River Falls provides a range of mortgage and home equity products. Is Northern State Bank of Thief River Falls a safe place to deposit money?Yes, Northern State Bank of Thief River Falls is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Northern State Bank of Thief River Falls offer online and mobile banking?Most modern institutions like Northern State Bank of Thief River Falls provide digital access including online balance checks and transfers. Compare to other Banks |
You can compare Northern State Bank of Thief River Falls rates to other rates in our database, including 12-month CD rates currently at 3.03%, 6-month CD rates at 3.50% and 3-month CD rates at 3.80%. Savings rates are at 0.05% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.50%. All these rates, and more, can be found in our database of rates which you can compare to 
