North Shore Bank of Commerce
Total assets
$598.5M
▲ +8.5% YoY
Deposits
$516.5M
▲ +10.5% YoY
Loans
$468.6M
▲ +9.7% YoY
Offices
7
NORTH SHORE FINANCIAL CORP
ROA (annualized)
1.56%
peers 1.28%
ROE (annualized)
18.32%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.9% | +3.6 pts |
| Deposit growth (YoY) | +10.5% | +4.3% | +6.1 pts |
| Loan growth (YoY) | +9.7% | +5.3% | +4.4 pts |
| ROA | 1.56% | 1.28% | +0.3 pts |
| ROE | 18.3% | 12.4% | +5.9 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1915
- Charter
- State
- Primary regulator
- FED
- Holding company
- NORTH SHORE FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 131 W Superior St, Duluth, MN, 55802
- County
- St. Louis
- Metro area
- Duluth, MN-WI
- Offices
- 7
- FDIC cert #
- 8850
- RSSD ID
- 126553
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $598.5M | $516.5M | $468.6M | $49.9M | $4.6M | 1.56% | 4.40% | 0.11% |
| Q1 2026 | $580.8M | $491.6M | $449.6M | $49.7M | $2.0M | 1.34% | 4.26% | 0.18% |
| Q4 2025 | $582.8M | $493.4M | $437.1M | $50.6M | $8.6M | 1.55% | 4.27% | 0.13% |
| Q3 2025 | $565.3M | $478.1M | $438.1M | $48.2M | $5.7M | 1.40% | 4.22% | 0.10% |
| Q2 2025 | $551.8M | $467.6M | $427.1M | $45.5M | $3.5M | 1.30% | 4.13% | 0.11% |
| Q1 2025 | $537.1M | $451.4M | $418.8M | $47.7M | $1.4M | 1.06% | 4.04% | 0.11% |
| Q4 2024 | $523.6M | $426.1M | $418.3M | $46.9M | $11.4M | 2.23% | 4.07% | 0.12% |
| Q3 2024 | $525.6M | $407.9M | $425.5M | $42.4M | $4.4M | 1.16% | 3.99% | 0.08% |
Loan mix (Q2 2026): real estate $430.9M · commercial $31.9M · consumer $6.6M · securities $54.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.28% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 12.4% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.89% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 61.2% | 80th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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