Blueharbor Bank
Mooresville, NC · Cert 58691 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 3 branches
Q2 2026
$628.4MAssets
$537.1MLoans
$551.2MDeposits
$69.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: tier 1 capital ratio trails 55% of banks under $1B in assets (rank 345 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.18%
Rank 63 of 629
Net Interest Margin
4.08%
Rank 150 of 629
Efficiency Ratio
33.60%
Rank 11 of 629
Equity / Assets
11.08%
Rank 283 of 629
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 98% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.18% | 0.60% | 1.01% | 1.45% | Beats 90% | 63 / 629 | | |
| Return on Equity | 19.69% | 5.38% | 9.30% | 13.28% | Beats 93% | 43 / 629 | | |
| Net Interest Margin | 4.08% | 3.03% | 3.54% | 4.05% | Beats 76% | 150 / 629 | | |
| Efficiency Ratio | 33.60% | 58.35% | 67.79% | 79.08% | Beats 98% | 11 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.14% | 11.24% | 13.84% | 18.77% | Beats 45% | 345 / 629 | | |
| Total Risk-Based Capital Ratio | 14.16% | 11.58% | 14.43% | 19.66% | Beats 47% | 331 / 629 | | |
| Equity / Assets | 11.08% | 9.09% | 10.65% | 13.80% | Beats 55% | 283 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.44% | 67.24% | 80.90% | 93.48% | 82nd pctl | 108 / 594 | | |
| Loans / Assets | 85.46% | 53.31% | 67.71% | 78.15% | 93rd pctl | 44 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |