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FIXnotes

NORTHERN HILLS

CU

STURGIS, SD

Total Assets
$205M
—
Total Loans
$173M
—
NORTHERN HILLS in SD reported a Texas ratio of 2.5% in Q2 2026, declining -0.8pp from the prior quarter. Nonperforming assets totaled 0.29%, down -0.11pp quarter-over-quarter.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
1-4 family — 1st lien$39M22.7%——
1-4 family — junior lien$19M10.8%——
Multifamily$1M0.8%——
FOUNDATION Consumer Auto New — Unlock to view
FOUNDATION Consumer Auto Used — Unlock to view
FOUNDATION Consumer Credit Card — Unlock to view
FOUNDATION Consumer Other Unsecured — Unlock to view
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20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

South Dakota mortgage-note market & lender distress →