Bank · FDIC insured
Northview Bank
A $469.7M bank headquartered in Sandstone, MN, with 12 branches in Minnesota. Best rates: CDs 3.70% and savings 0.15% APY.
Northview Bank Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#26 of 29 in Duluth, MN-WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Northview Bank
Northview Bank is a locally owned bank under the leadership of the Pogatchnik family that has served Minnesota and Wisconsin for over 100 years.
The bank specializes in financing bare land and offers vacation property, mortgage, home equity, and construction loans.
- Headquarters
- 510 Main St, Sandstone, MN 55072
- FDIC certificate
- 10956 ↗
Branches
12 branches in Minnesota
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Minnesota
12 branches
Duluth area · 3
- Barnum Branch3697 County Road 13, Barnum, MN 55707Directions
- Cromwell Branch5584 Highway 210, Cardinal Building, Cromwell, MN 55726Directions
- Floodwood Branch202 Railroad Street, Floodwood, MN 55736Directions
Grand Rapids area · 2
- Deer River Branch40 4th St Se, Deer River, MN 56636Directions
- Grand Rapids Branch411 S Pokegama Ave, Grand Rapids, MN 55744Directions
Sandstone area · 1
- Northview BankMain office510 Main St, Sandstone, MN 55072Directions
Askov area · 1
- Askov Branch6340 Merchant St, Askov, MN 55704Directions
Finlayson area · 1
- Finlayson Branch2203 Finland Ave, Finlayson, MN 55735Directions
Hinckley area · 1
- Hinckley Branch203 Old Highway 61 S, Hinckley, MN 55037Directions
Kerrick area · 1
- Kerrick Branch8382 Main St, Kerrick, MN 55756Directions
Park Rapids area · 1
- State Bank Of Park Rapids Branch200 1st St E, Park Rapids, MN 56470Directions
Willow River area · 1
- Willow River Branch8132 County Highway 61, Willow River, MN 55795Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.75% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.46% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.57% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $97 | $81 | — |
- CapitalLeverage ratio10.75%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.46%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.57%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$97Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Northview Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.