Raleigh, NC · Cert 35519 · North State Bcorp
State charter, Fed member · FED · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
74
Profitability
32
Liquidity
49
Efficiency
5
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Raleigh, NC · Cert 35519 · North State Bcorp
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Raleigh-Cary, NC · 2026 SOD (annual) · 1.0% share · #10 of 37 inst. · $1.1B of $110.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.60% | 0.56% | 0.59% | 0.65% | 0.76% | 0.61% | 0.62% | +3 bps | |
| Return on Equity | 7.83% | 7.63% | 6.82% | 7.11% | 7.73% | 8.92% | 7.06% | 7.29% | +18 bps | |
| Net Interest Margin | 3.25% | 3.33% | 3.49% | 3.62% | 3.80% | 3.75% | 3.65% | 3.71% | +8 bps | |
| Efficiency Ratio | 78.62% | 79.77% | 81.63% | 80.31% | 80.92% | 78.49% | 82.47% | 82.03% | +172 bps | |
| Non-Interest Burden | 2.41% | 2.52% | 2.74% | 2.79% | 2.94% | 2.78% | 2.88% | 2.92% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.35% | 2.33% | -0.26% | -2.46% | -4.51% | -1.82% | 1.58% | 5.84% | +830 bps | |
| Loan Growth (YoY) | 2.97% | 1.28% | -0.05% | -0.83% | -1.01% | -0.59% | 0.62% | -0.69% | +13 bps | |
| Deposit Growth (YoY) | -1.90% | 2.31% | -0.98% | -3.54% | -5.86% | -2.86% | 1.54% | 6.68% | +1,022 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.25% | 0.24% | 0.24% | 0.14% | 0.12% | 0.13% | 0.17% | -7 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.02% | 0.03% | 0.02% | 0.02% | 0.03% | -0.08% | -0.03% | -5 bps | |
| Allowance / Loans | 0.68% | 0.66% | 0.66% | 0.71% | 0.68% | 0.64% | 0.66% | 0.66% | -4 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.7x | 2.7x | 2.9x | 4.8x | 5.6x | 5.1x | 3.9x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.90% | 8.05% | 8.14% | 8.37% | 8.72% | 8.77% | 8.51% | 8.50% | +13 bps | |
| Total Risk-Based Capital | 11.41% | 11.50% | 11.57% | 11.65% | 11.98% | 11.99% | 11.87% | 12.07% | +41 bps | |
| Equity / Assets | 7.95% | 8.18% | 8.13% | 8.54% | 8.78% | 8.81% | 8.35% | 8.41% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.09% | 98.66% | 96.85% | 101.87% | 102.09% | 100.97% | 95.97% | 94.83% | -704 bps | |
| Liquid Assets / Assets | 11.84% | 10.47% | 12.05% | 8.30% | 8.97% | 9.38% | 12.95% | 13.93% | +563 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 535% | 534% | 544% | n/a | n/a | |
Raleigh, NC · Cert 35519 · Peer group: banks $1B-$10B in assets (n=322-328) · North State Bcorp
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
0.61%
Rank 296 of 328
Net Interest Margin
3.71%
Rank 98 of 328
Efficiency Ratio
82.03%
Rank 314 of 328
Equity / Assets
8.41%
Rank 293 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.91% | 1.22% | 1.52% | Beats 10% | 296 / 328 | ||
| Return on Equity | 7.24% | 8.43% | 11.45% | 14.43% | Beats 17% | 273 / 328 | ||
| Net Interest Margin | 3.71% | 3.03% | 3.45% | 3.83% | Beats 70% | 98 / 328 | ||
| Efficiency Ratio | 82.03% | 51.61% | 59.56% | 67.53% | Beats 5% | 314 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.24% | 0.51% | 1.03% | Beats 80% | 66 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 67% | 108 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.34% | 11.75% | 13.15% | 15.47% | Beats 20% | 264 / 328 | ||
| Total Risk-Based Capital Ratio | 12.07% | 12.63% | 14.15% | 16.46% | Beats 19% | 267 / 328 | ||
| Equity / Assets | 8.41% | 9.15% | 10.33% | 12.01% | Beats 11% | 293 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.83% | 76.63% | 87.92% | 95.36% | 73rd pctl | 87 / 323 | ||
| Loans / Assets | 79.57% | 65.18% | 74.15% | 79.98% | 74th pctl | 86 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||