| Metric | North Shore Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.2 pts |
| Deposit growth (YoY) | +3.7% | +5.1% | -1.3 pts |
| Loan growth (YoY) | +7.2% | +5.9% | +1.2 pts |
| ROA | 1.02% | 1.26% | -0.2 pts |
| ROE | 6.7% | 12.2% | -5.5 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.61B | $2.17B | $2.05B | $399.5M | $13.2M | 1.02% | 3.94% | 0.08% |
| Q1 2026 | $2.59B | $2.16B | $2.00B | $392.6M | $6.3M | 0.98% | 3.88% | 0.07% |
| Q4 2025 | $2.57B | $2.14B | $1.95B | $386.3M | $22.1M | 0.87% | 3.83% | 0.07% |
| Q3 2025 | $2.55B | $2.14B | $1.92B | $379.4M | $15.2M | 0.80% | 3.77% | 0.07% |
| Q2 2025 | $2.50B | $2.09B | $1.92B | $375.9M | $11.7M | 0.92% | 3.72% | 0.12% |
| Q1 2025 | $2.49B | $2.09B | $1.92B | $370.0M | $5.8M | 0.90% | 3.67% | 0.12% |
| Q4 2024 | $2.64B | $2.09B | $1.90B | $364.2M | $22.5M | 0.87% | 3.65% | 0.12% |
| Q3 2024 | $2.62B | $2.08B | $1.93B | $358.4M | $16.7M | 0.86% | 3.63% | 0.13% |
Loan mix (Q2 2026): real estate $1.33B · commercial $64.0M · consumer $662.2M · securities $230.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | North Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.26% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 12.2% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 59.0% | 79th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | North Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | North Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | North Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | North Shore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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