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Regulatory profile
Duluth, MN · FDIC certificate #8851 · RSSD 286457
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $1.5B | $1.2B | $0.9B | 1.30% | 13.33% | 3.35% |
| 2026-03-31 | $1.5B | $1.2B | $0.9B | 1.43% | 14.70% | 3.35% |
| 2025-12-31 | $1.5B | $1.2B | $0.9B | 1.44% | 14.54% | 3.30% |
| 2025-09-30 | $1.4B | $1.2B | $0.9B | 1.34% | 13.47% | 3.29% |
| 2025-06-30 | $1.4B | $1.2B | $0.9B | 1.30% | 13.32% | 3.27% |
| 2025-03-31 | $1.4B | $1.2B | $0.9B | 1.21% | 12.67% | 3.24% |
| 2024-12-31 | $1.4B | $1.3B | $0.9B | 1.27% | 13.71% | 3.13% |
| 2024-09-30 | $1.4B | $1.2B | $0.9B | 1.25% | 13.66% | 3.15% |
| 2024-06-30 | $1.4B | $1.1B | $0.9B | 1.37% | 14.95% | 3.15% |
| 2024-03-31 | $1.3B | $1.2B | $0.9B | 1.33% | 14.47% | 3.20% |
| 2023-12-31 | $1.2B | $1.1B | $0.8B | 1.36% | 14.62% | 3.61% |
| 2023-09-30 | $1.2B | $1.0B | $0.8B | 1.48% | 15.92% | 3.65% |
| 2023-06-30 | $1.1B | $1.0B | $0.8B | 1.43% | 15.34% | 3.74% |
| 2023-03-31 | $1.1B | $0.9B | $0.8B | 1.33% | 14.32% | 3.85% |
| 2022-12-31 | $1.1B | $1.0B | $0.8B | 1.45% | 16.18% | 3.65% |
| 2022-09-30 | $1.1B | $1.0B | $0.8B | 1.42% | 15.93% | 3.53% |
| 2022-06-30 | $1.1B | $0.9B | $0.7B | 1.42% | 15.91% | 3.31% |
| 2022-03-31 | $1.1B | $1.0B | $0.7B | 1.31% | 14.97% | 3.15% |
| 2021-12-31 | $1.1B | $1.0B | $0.7B | 1.19% | 13.69% | 3.61% |
| 2021-09-30 | $1.1B | $1.0B | $0.7B | 1.29% | 14.83% | 3.74% |
| 2021-06-30 | $1.1B | $1.0B | $0.7B | 1.40% | 16.20% | 4.08% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 4792022 · 2015-10-10 to current
Unmatched RSSD entityRSSD 2359887 · 1995-12-12 to 2015-10-09
2025-12-06RSSD 371755 → 286457 · code 1
2021-05-22RSSD 834755 → 286457 · code 1
2021-05-22RSSD 716655 → 286457 · code 1
2018-04-28RSSD 378558 → 286457 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.