| Metric | Northern State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +8.7% | +4.0% | +4.7 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.7 pts |
| ROA | 1.66% | 1.24% | +0.4 pts |
| ROE | 16.5% | 11.9% | +4.7 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $330.8M | $297.1M | $154.7M | $33.1M | $2.7M | 1.66% | 3.94% | 0.10% |
| Q1 2026 | $328.8M | $295.6M | $148.5M | $32.8M | $1.2M | 1.47% | 3.81% | 0.42% |
| Q4 2025 | $330.9M | $297.1M | $153.4M | $33.6M | $5.9M | 1.87% | 4.00% | 0.41% |
| Q3 2025 | $327.3M | $293.2M | $155.9M | $33.0M | $4.4M | 1.90% | 4.01% | 0.50% |
| Q2 2025 | $305.6M | $273.3M | $156.5M | $31.8M | $3.1M | 2.05% | 4.00% | 0.53% |
| Q1 2025 | $306.8M | $275.8M | $154.4M | $30.6M | $1.4M | 1.82% | 4.00% | 0.53% |
| Q4 2024 | $304.1M | $274.7M | $160.8M | $29.0M | $6.2M | 2.01% | 4.08% | 0.07% |
| Q3 2024 | $307.3M | $275.7M | $163.9M | $31.2M | $4.7M | 2.01% | 4.02% | 0.05% |
Loan mix (Q2 2026): real estate $128.0M · commercial $14.2M · consumer $2.4M · securities $116.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Northern State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 62.9% | 26th |
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 | Northern 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 | Northern 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 | Northern 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 | Northern 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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