North Shore Bank of Commerce
Duluth, MN · Cert 8850 · Peer group: banks under $1B in assets (n=570-617) · 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 160 of 570).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 613 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.20%
Rank 236 of 617
Net Interest Margin
3.97%
Rank 178 of 617
Efficiency Ratio
72.56%
Rank 381 of 617
Equity / Assets
8.33%
Rank 523 of 617
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% | 236 / 617 | | |
| Return on Equity | 14.44% | 5.30% | 9.43% | 13.30% | Beats 81% | 115 / 617 | | |
| Net Interest Margin | 3.97% | 3.04% | 3.54% | 4.05% | Beats 71% | 178 / 617 | | |
| Efficiency Ratio | 72.56% | 58.03% | 67.76% | 79.08% | Beats 38% | 381 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.48% | 1.27% | Beats 71% | 169 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 8.74% | 11.18% | 13.83% | 18.55% | Beats 1% | 613 / 617 | | |
| Total Risk-Based Capital Ratio | 8.74% | 11.56% | 14.39% | 19.39% | Beats 1% | 613 / 617 | | |
| Equity / Assets | 8.33% | 9.03% | 10.55% | 13.63% | Beats 15% | 523 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.30% | 64.77% | 79.70% | 93.06% | 72nd pctl | 161 / 582 | | |
| Loans / Assets | 78.79% | 51.70% | 67.18% | 77.51% | 79th pctl | 132 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |