North American Banking Company
Roseville, MN · Cert 34836 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · N A Corp.
State charter, Fed member · FED · 6 branches
Q2 2026
$1.5BAssets
$783.2MLoans
$1.1BDeposits
$100.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks $1B-$10B in assets operating in a single state (rank 11 of 258).
- Widest gap: equity / assets trails 98% of banks $1B-$10B in assets operating in a single state (rank 252 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.66%
Rank 40 of 258
Net Interest Margin
2.74%
Rank 231 of 258
Efficiency Ratio
49.73%
Rank 50 of 257
Equity / Assets
6.78%
Rank 252 of 258
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 81% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.93% | 1.23% | 1.54% | Beats 84% | 40 / 258 | | |
| Return on Equity | 24.47% | 9.26% | 11.84% | 14.74% | Beats 96% | 11 / 258 | | |
| Net Interest Margin | 2.74% | 3.16% | 3.49% | 3.88% | Beats 10% | 231 / 258 | | |
| Efficiency Ratio | 49.73% | 51.71% | 60.30% | 69.65% | Beats 81% | 50 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.19% | 0.46% | 0.90% | Beats 44% | 146 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 70% | 79 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 14.63% | 11.41% | 12.98% | 15.12% | Beats 72% | 73 / 258 | | |
| Total Risk-Based Capital Ratio | 15.67% | 12.10% | 13.91% | 16.08% | Beats 71% | 76 / 258 | | |
| Equity / Assets | 6.78% | 9.09% | 10.24% | 11.72% | Beats 2% | 252 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.13% | 73.24% | 86.34% | 95.95% | 22nd pctl | 202 / 258 | | |
| Loans / Assets | 53.15% | 63.01% | 72.27% | 78.40% | 9th pctl | 234 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |