| Metric | NorthStar Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.4 pts |
| Loan growth (YoY) | -3.3% | +5.6% | -8.9 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 7.8% | 11.9% | -4.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.4M | $168.1M | $134.0M | $34.2M | $1.3M | 1.27% | 3.23% | 0.00% |
| Q1 2026 | $214.4M | $179.6M | $137.8M | $33.7M | $665K | 1.27% | 3.16% | 0.02% |
| Q4 2025 | $205.0M | $170.9M | $136.6M | $33.1M | $2.6M | 1.30% | 3.29% | 0.44% |
| Q3 2025 | $206.8M | $173.2M | $137.7M | $32.4M | $2.0M | 1.29% | 3.29% | 0.00% |
| Q2 2025 | $196.4M | $164.0M | $138.6M | $31.4M | $1.3M | 1.30% | 3.28% | 0.04% |
| Q1 2025 | $206.3M | $174.5M | $134.4M | $30.7M | $665K | 1.29% | 3.13% | 0.00% |
| Q4 2024 | $205.0M | $170.5M | $139.2M | $33.5M | $2.3M | 1.07% | 3.16% | 0.00% |
| Q3 2024 | $210.7M | $176.8M | $133.9M | $33.0M | $1.7M | 1.05% | 3.13% | 0.00% |
Loan mix (Q2 2026): real estate $94.1M · commercial $4.5M · consumer $1.3M · securities $32.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | NorthStar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 62.9% | 16th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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