Norbank
North Kansas City, MO · Cert 8888 · Peer group: banks $1B-$10B in assets (n=285-291)
FDIC · 23 branches
Q3 2025
$2.2BAssets
$1.5BLoans
$2.0BDeposits
$224.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 82% of banks $1B-$10B in assets (rank 54 of 285).
- Widest gap: efficiency ratio trails 85% of banks $1B-$10B in assets (rank 249 of 291).
- Overall: at or above the peer median on 8 of 10 directional measures.
Return on Assets
1.18%
Rank 115 of 291
Net Interest Margin
3.76%
Rank 67 of 291
Efficiency Ratio
74.55%
Rank 249 of 291
Equity / Assets
10.05%
Rank 160 of 291
Non-interest income vs. expense
Unfavorable gap of $49.9M · efficiency ratio beats 15% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.80% | 1.07% | 1.37% | Beats 60% | 115 / 291 | |
| Return on Equity | 11.75% | 7.85% | 10.60% | 13.16% | Beats 62% | 110 / 291 | |
| Net Interest Margin | 3.76% | 2.88% | 3.27% | 3.69% | Beats 77% | 67 / 291 | |
| Efficiency Ratio | 74.55% | 53.64% | 61.20% | 68.97% | Beats 15% | 249 / 291 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.24% | 0.52% | 0.94% | Beats 56% | 127 / 285 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.15% | Beats 82% | 54 / 285 | |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 11.35% | 12.87% | 15.16% | Beats 58% | 122 / 291 | |
| Total Risk-Based Capital Ratio | 14.68% | 12.28% | 13.77% | 16.18% | Beats 62% | 112 / 291 | |
| Equity / Assets | 10.05% | 8.93% | 10.33% | 11.81% | Beats 45% | 160 / 291 | |
| Liquidity & Funding |
| Loans / Deposits | 77.14% | 76.91% | 87.29% | 94.96% | 25th pctl | 214 / 286 | |
| Loans / Assets | 67.52% | 65.69% | 74.03% | 80.32% | 28th pctl | 205 / 285 | |
| Brokered Deposits / Deposits | 2.24% | n/a | 2.68% | 9.90% | Beats 51% | 140 / 286 | |