North State Bank
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
$1.5BAssets
$1.2BLoans
$1.2BDeposits
$122.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets (rank 66 of 322).
- Widest gap: efficiency ratio trails 95% of banks $1B-$10B in assets (rank 314 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $42.2M · efficiency ratio beats 5% of banks $1B-$10B in assets | 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 |