This institution is no longer active

Operations ceased on March 17, 1997. CRA examination history below reflects the period it was active.

NORTHERN STATE BANK

COEUR D'ALENE, ID · Supervised by FDIC

Est. 1979FDIC #22,777RSSD: FDIC-22777

Part ofW T B FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: October 1995

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.34%

Is this bank safe?

NORTHERN STATE BANK holds a Satisfactory CRA rating (1995), is financially strong (ROA +1.34%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

218 Lakeside Street, COEUR D'ALENE, ID

County

Kootenai County

Established

January 2, 1979

Total Assets

$105M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 1996Call Report / FDIC

Total Assets

$105M

Total Deposits

$94M

Net Loans

$71M

Net Income

$1M

ROA

1.34%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.90%

Risk-Based Capital

13.79%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.34%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.79%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.25%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	400	76.5%	7.25%
2020	1,259	81.41%	5.96%
2019	891	83.28%	6.06%
2018	734	82.56%	7.22%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 1995	Satisfactory	Not Reported
Sep 1993	Satisfactory	Not Reported
Aug 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/northern-state-bank-id"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: