North Shore Bank of Commerce
Duluth, MN · Cert 8850 · Peer group: banks under $1B in assets (n=573-620) · North Shore Financial Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
$598.5MAssets
$471.6MLoans
$516.5MDeposits
$49.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 616 of 620).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.20%
Rank 230 of 620
Net Interest Margin
3.97%
Rank 170 of 620
Efficiency Ratio
72.56%
Rank 381 of 620
Equity / Assets
8.33%
Rank 526 of 620
Non-interest income vs. expense
Unfavorable gap of $13.7M · efficiency ratio beats 39% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.60% | 1.00% | 1.45% | Beats 63% | 230 / 620 | |
| Return on Equity | 14.44% | 5.30% | 9.30% | 13.29% | Beats 81% | 116 / 620 | |
| Net Interest Margin | 3.97% | 3.02% | 3.53% | 4.04% | Beats 73% | 170 / 620 | |
| Efficiency Ratio | 72.56% | 58.35% | 68.08% | 79.37% | Beats 39% | 381 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.47% | 1.27% | Beats 71% | 170 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 8.74% | 11.27% | 13.87% | 18.78% | Beats 1% | 615 / 620 | |
| Total Risk-Based Capital Ratio | 8.74% | 11.69% | 14.57% | 19.67% | Beats 1% | 616 / 620 | |
| Equity / Assets | 8.33% | 9.03% | 10.60% | 13.73% | Beats 15% | 526 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 91.30% | 65.08% | 79.69% | 92.47% | 73rd pctl | 158 / 585 | |
| Loans / Assets | 78.79% | 51.85% | 67.17% | 77.86% | 79th pctl | 133 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |