North Shore Bank of Commerce
Duluth, MN · Cert 8850 · Peer group: banks under $1B in assets (n=581-629) · 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 158 of 581).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 625 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.20%
Rank 237 of 629
Net Interest Margin
3.97%
Rank 181 of 629
Efficiency Ratio
72.56%
Rank 389 of 629
Equity / Assets
8.33%
Rank 536 of 629
Non-interest income vs. expense
Unfavorable gap of $13.7M · efficiency ratio beats 38% 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 | 1.20% | 0.60% | 1.01% | 1.45% | Beats 62% | 237 / 629 | | |
| Return on Equity | 14.44% | 5.38% | 9.30% | 13.28% | Beats 81% | 119 / 629 | | |
| Net Interest Margin | 3.97% | 3.03% | 3.54% | 4.05% | Beats 71% | 181 / 629 | | |
| Efficiency Ratio | 72.56% | 58.35% | 67.79% | 79.08% | Beats 38% | 389 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.46% | 1.20% | Beats 70% | 174 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 8.74% | 11.24% | 13.84% | 18.77% | Beats 1% | 624 / 629 | | |
| Total Risk-Based Capital Ratio | 8.74% | 11.58% | 14.43% | 19.66% | Beats 1% | 625 / 629 | | |
| Equity / Assets | 8.33% | 9.09% | 10.65% | 13.80% | Beats 15% | 536 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.30% | 67.24% | 80.90% | 93.48% | 71st pctl | 170 / 594 | | |
| Loans / Assets | 78.79% | 53.31% | 67.71% | 78.15% | 77th pctl | 143 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |