PackageTrendsPeer
Letter portraitLegal landscape

Nstar Community Bank

Bingham Farms, MI · Cert 57878

FDIC · 2 branches

Q4 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2020, the quarter ended December 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Nstar Community Bank

Bingham Farms, MI · Cert 57878

FDIC · 2 branches

Q4 2020

$323.0MAssets
$286.6MLoans
$258.0MDeposits
$49.3MEquity
Loan mix
74%RE $174.0M25%C&I $59.6M0%Consumer $1.1MQ4 2019Q4 2020
Deposit mix
79%Interest-bearing $202.8M21%Noninterest $55.2MQ4 2019Q4 2020

NIM

4.87%Q4 ’185.12%Q4 ’194.58%Q4 ’20-4%+15%

Non-interest income vs. expense

6.16%Q4 ’186.53%Q4 ’196.53%Q4 ’20+6%-84%

Market Position · Detroit-Warren-Dearborn, MI · 2020 SOD (annual) · 0.1% share · #20 of 43 inst. · $0.3B of $182.8B

Executive Summary

  • Earnings: ROA of 1.90%, up 152 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.33% of loans (-4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.43%, up 78 bps from a year ago.
  • Funding: loans stand at 111.11% of deposits as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

1.90%+152 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+53 bps YoY

Efficiency Ratio (YTD, annualized)

66.09%-2,432 bps YoY

Tier 1 Leverage Ratio

9.43%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.38%1.19%1.53%1.73%1.90%+152 bps
Return on Equity4.32%10.26%12.31%13.43%14.19%+988 bps
Net Interest Margin3.53%2.62%3.64%3.93%4.06%+53 bps
Efficiency Ratio90.41%71.65%73.03%67.53%66.09%-2,432 bps
Non-Interest Burden2.83%0.82%0.96%0.71%0.46%-237 bps
Growth
Asset Growth (YoY)8.38%17.16%17.59%15.76%16.79%+841 bps
Loan Growth (YoY)9.59%10.00%10.05%7.16%9.90%+31 bps
Deposit Growth (YoY)6.36%5.62%9.25%15.73%9.71%+335 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.10%0.55%0.30%0.33%-4 bps
Net Charge-Offs / Loans0.08%0.00%0.00%0.01%0.01%-7 bps
Allowance / Loans0.70%0.00%0.33%0.72%1.16%+46 bps
Allowance Coverage of NPLs1.9x0.0x0.6x2.4x3.5x+1.6x
Capital
Tier 1 Leverage Ratio8.65%8.47%8.52%8.75%9.43%+78 bps
Total Risk-Based Capital11.96%9.51%8.52%8.75%9.43%-253 bps
Equity / Assets8.89%14.03%13.86%14.11%15.28%+639 bps
Liquidity & Funding
Loans / Deposits110.91%109.24%111.98%109.88%111.11%+20 bps
Liquid Assets / Assets1.93%1.38%2.12%1.78%1.51%-42 bps
CRE / Total Capitaln/an/an/an/an/an/an/a