| Metric | Northstar Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +5.5% | +5.9 pts |
| Deposit growth (YoY) | +13.1% | +5.1% | +8.0 pts |
| Loan growth (YoY) | +11.9% | +5.9% | +6.0 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 15.1% | 12.2% | +2.9 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.16B | $973.6M | $983.0M | $101.3M | $7.4M | 1.30% | 3.97% | 1.14% |
| Q1 2026 | $1.13B | $979.9M | $961.4M | $99.3M | $3.6M | 1.28% | 3.91% | 1.11% |
| Q4 2025 | $1.14B | $943.6M | $952.5M | $94.8M | $14.0M | 1.31% | 4.11% | 1.36% |
| Q3 2025 | $1.12B | $936.9M | $943.7M | $97.3M | $9.7M | 1.23% | 4.14% | 1.40% |
| Q2 2025 | $1.04B | $861.2M | $878.5M | $92.5M | $5.8M | 1.13% | 4.10% | 1.35% |
| Q1 2025 | $1.03B | $906.5M | $859.0M | $91.2M | $3.5M | 1.38% | 4.02% | 1.48% |
| Q4 2024 | $1.02B | $907.3M | $854.5M | $86.2M | $12.7M | 1.28% | 3.97% | 1.35% |
| Q3 2024 | $1.03B | $921.2M | $841.8M | $91.7M | $8.8M | 1.19% | 3.89% | 1.33% |
Loan mix (Q2 2026): real estate $780.2M · commercial $148.5M · consumer $9.4M · securities $85.9M
| Ratio | Northstar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.2% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 59.0% | 58th |
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 | Northstar 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 | Northstar 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 | Northstar 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 | Northstar 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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