| Metric | North State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +6.7% | +5.1% | +1.6 pts |
| Loan growth (YoY) | -0.7% | +5.9% | -6.6 pts |
| ROA | 0.79% | 1.26% | -0.5 pts |
| ROE | 9.3% | 12.2% | -2.9 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.46B | $1.23B | $1.16B | $122.9M | $5.7M | 0.79% | 4.00% | 0.15% |
| Q1 2026 | $1.46B | $1.22B | $1.17B | $121.7M | $2.7M | 0.77% | 3.93% | 0.10% |
| Q4 2025 | $1.38B | $1.15B | $1.15B | $121.9M | $13.4M | 0.96% | 4.00% | 0.10% |
| Q3 2025 | $1.37B | $1.13B | $1.15B | $120.3M | $8.7M | 0.83% | 4.02% | 0.12% |
| Q2 2025 | $1.38B | $1.15B | $1.16B | $117.9M | $5.3M | 0.75% | 3.88% | 0.20% |
| Q1 2025 | $1.44B | $1.21B | $1.16B | $116.7M | $2.5M | 0.71% | 3.76% | 0.20% |
| Q4 2024 | $1.41B | $1.18B | $1.16B | $115.3M | $10.8M | 0.76% | 3.61% | 0.20% |
| Q3 2024 | $1.43B | $1.21B | $1.16B | $114.1M | $8.3M | 0.78% | 3.54% | 0.22% |
Loan mix (Q2 2026): real estate $1.03B · commercial $131.7M · consumer $2.9M · securities $49.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | North State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.26% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.2% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 59.0% | 95th |
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 State 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 State 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 State 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 State 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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