| Metric | North Star Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -3.0% | +4.0% | -7.0 pts |
| Loan growth (YoY) | -5.7% | +5.6% | -11.3 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $378.7M | $340.8M | $243.0M | $36.4M | $2.7M | 1.35% | 3.71% | 0.61% |
| Q1 2026 | $393.7M | $356.2M | $245.3M | $35.5M | $1.5M | 1.52% | 3.64% | 0.88% |
| Q4 2025 | $406.8M | $370.4M | $247.4M | $34.9M | $4.2M | 1.07% | 3.49% | 0.86% |
| Q3 2025 | $401.4M | $366.0M | $251.8M | $33.7M | $3.2M | 1.11% | 3.49% | 1.16% |
| Q2 2025 | $385.1M | $351.5M | $257.8M | $31.3M | $2.0M | 1.05% | 3.48% | 0.00% |
| Q1 2025 | $380.1M | $348.3M | $253.6M | $28.6M | $-694K | -0.73% | 3.41% | 0.00% |
| Q4 2024 | $376.6M | $345.0M | $254.4M | $29.1M | $2.8M | 0.77% | 3.35% | 0.00% |
| Q3 2024 | $392.2M | $358.8M | $251.4M | $29.9M | $1.7M | 0.60% | 3.29% | 0.00% |
Loan mix (Q2 2026): real estate $193.1M · commercial $51.3M · consumer $1.0M · securities $88.0M
| Ratio | North Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 62.9% | 49th |
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 Star 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 Star 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 Star 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 Star 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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