NORTH SHORE BANK OF COMMERCE

DULUTH, MN | Medium | Est. Sept. 14, 1915, midnight | FDIC #8850 | RSSD #126553 | FED
Latest Report: 2025-12-31

NORTH SHORE BANK OF COMMERCE is amn medium FDIC-insured commercial bank headquartered in DULUTH, MN, established in Sept. 14, 1915, midnight. As of 2025-12-31, the bank reported total assets of $583M and total deposits of $493M. Profitability stands at 1.99% ROA and 23.10% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 8.34%. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.46%. FDIC Certificate #8850.

Assets

$583M

Deposits

$493M

Loans

$440M

Equity

$51M

Profitability

Return on Assets (ROA) 1.99%
Return on Equity (ROE) 23.10%
Net Interest Margin (NIM) 4.39%
Yield on Assets 6.26%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.46%
NPA Ratio 0.04%
ACL / Loans 0.62%

Capital & Liquidity

CET1 Ratio 8.34%
Tier 1 Capital 8.34%
Total Capital Ratio 8.76%
Leverage Ratio 9.14%
Loan-to-Deposit 89.14%

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