NORTH STATE BANK

RALEIGH, NC | Large | Est. June 1, 2000, midnight | FDIC #35519 | RSSD #2915461 | FED
Latest Report: 2025-12-31

NORTH STATE BANK is aln large FDIC-insured commercial bank headquartered in RALEIGH, NC, established in June 1, 2000, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.1B. Profitability stands at 1.37% ROA and 15.56% ROE, with a net interest margin of 4.04%. The bank's CET1 capital ratio is 11.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 1.04%. FDIC Certificate #35519.

Assets

$1.4B

Deposits

$1.1B

Loans

$1.2B

Equity

$122M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 15.56%
Net Interest Margin (NIM) 4.04%
Yield on Assets 5.66%
Cost of Funds 1.73%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.04%
NPA Ratio 0.10%
ACL / Loans 0.64%

Capital & Liquidity

CET1 Ratio 11.28%
Tier 1 Capital 11.28%
Total Capital Ratio 11.99%
Leverage Ratio 8.77%
Loan-to-Deposit 100.97%

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