Great North Bank
Florence, WI·RSSD 576354·FDIC 15146·bank:576354·Risk-based ratios where reported
- #115 of 155Total assets in Wisconsin
- 3offices
- 65employees
- Top 1%Loan growth in the U.S.
- Top 3%Fee income vs. peers
- Top 3%Deposit growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Great North Bank
9 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
C&I lending shrinking while the peer median growsNotable: Lending 2nd quarter-59.3%peers +1.0%-60.3 pp
Great North Bank's commercial and industrial loans declined 59.3% over the past year to $5.5 million. The median among 1177 similar banks was +1.0%.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| -59.3% | +1.0% | -60.3 pp |
| Commercial and industrial loans | ||
| $5.5 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Great North Bank itself is left out of every peer median and percentile. How signals work
Reliance on CDs rising while the peer median holds steadyWorth a look: Funding 2nd quarter54.7%peers 33.1%+21.6 pp
Great North Bank's time deposits' share of deposits rose 7.5 percentage points over the past year to 54.7%. Among 1212 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 54.7% | 33.1% | +21.6 pp |
| 12-month change | ||
| +7.5 pp | 0.0 pp | +7.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Great North Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter2.67%peers 0.36%+231 bps
Great North Bank's noninterest income relative to average assets was 2.67%, compared with a median of 0.36% among 1223 similar banks: higher than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 2.67% | 0.36% | +231 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Great North Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+28.4%peers +4.2%+24.2 pp
Great North Bank's total assets grew 28.4% over the past year to $233 million. The median among 1222 similar banks was +4.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +28.4% | +4.2% | +24.2 pp |
| Total assets | ||
| $233 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Great North Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital8.84%peers 11.34%-2.5 pp
Great North Bank's leverage ratio fell 1.7 percentage points over the past year to 8.84%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 8.84% | 11.34% | -2.5 pp |
| 12-month change | ||
| -1.7 pp | +0.1 pp | -1.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Great North Bank itself is left out of every peer median and percentile. How signals work
4 more observations
- Loans growing faster than peersLending
- Deposits growing faster than peersFunding
- Deposit costs among the highest of similar banksFunding
- Efficiency ratio falling faster than peersEfficiency
Key facts
- Great North Bank is a bank headquartered in Florence, Wisconsin. It reported $233 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $174 million, up 28.9% from a year earlier, and loans totaled $155 million, up 53.1%.
- Its net interest margin was 4.68% and its annualized return on assets was -0.40% for the quarter.
- Its cost of all deposits was 3.12%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Great North Bank's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Great North Bank · Bank
- Federal Reserve RSSD
- 576354
- FDIC certificate
- 15146
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Great North Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$227K | — | |
| $3.73M | — | |
| $1.48M | — | |
| $2.25M | — | |
| $1.51M | — | |
| $3.72M | — | |
| $405K | — | |
| $415K | — | |
| -0.40% | -0.40%ROAQ · Quarter | |
| 4.68% | 4.66%NIMYQ · Quarter | |
| 98.78% | 97.93%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.