NORTH SHORE BANK OF COMMERCE
NORTH SHORE BANK OF COMMERCE is an FDIC-insured commercial bank headquartered in DULUTH, MN, established in 1915. As of , 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 4.46%. CET1 capital ratio: 8.68%. NPL ratio: 0.10% · Texas Ratio: 0.78%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
North Shore Bank of Commerce rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 8.68% | 1.99% | 0.10% | 0.78% | 4.46% |
| 2025-09-30 | 8.53% | 1.58% | 0.08% | 0.67% | 4.38% |
| 2025-06-30 | 8.25% | 1.53% | 0.20% | 1.80% | 4.25% |
| 2025-03-31 | 8.88% | 1.06% | 0.17% | 1.41% | 4.04% |
| 2024-12-31 | 8.96% | 5.34% | 0.17% | 1.45% | 4.24% |
| 2024-09-30 | 11.28% | 1.44% | 0.16% | 1.58% | 4.26% |
| 2024-06-30 | 7.69% | 1.06% | 0.21% | 2.10% | 3.90% |
| 2024-03-31 | 7.77% | 0.96% | 0.21% | 2.09% | 3.75% |
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Frequently asked about NORTH SHORE BANK OF COMMERCE
What are North Shore Bank of Commerce's total assets?
As of the Q4 2025 filing, North Shore Bank of Commerce reported total assets of $582.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is North Shore Bank of Commerce headquartered?
North Shore Bank of Commerce is headquartered in DULUTH, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was North Shore Bank of Commerce founded?
North Shore Bank of Commerce was established in 1915, per the FDIC institution directory.
Is North Shore Bank of Commerce FDIC-insured?
Yes. North Shore Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #8850). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Shore Bank of Commerce?
North Shore Bank of Commerce's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is North Shore Bank of Commerce's CET1 capital ratio?
North Shore Bank of Commerce reported a Common Equity Tier 1 (CET1) capital ratio of 8.68% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does North Shore Bank of Commerce operate?
North Shore Bank of Commerce operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is North Shore Bank of Commerce's Texas Ratio?
North Shore Bank of Commerce's Texas Ratio is 0.78% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.