NORTH STATE BANK
NORTH STATE BANK is an FDIC-insured commercial bank headquartered in RALEIGH, NC, established in 2000. As of , 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 3.93%. CET1 capital ratio: 11.28%, well above regulatory minimums. NPL ratio: 0.12% · Texas Ratio: 1.04%. 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
North State Bank 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 | 11.28% | 1.37% | 0.12% | 1.04% | 3.93% |
| 2025-09-30 | 11.23% | 0.99% | 0.14% | 1.27% | 4.27% |
| 2025-06-30 | 10.87% | 0.78% | 0.24% | 2.23% | 3.94% |
| 2025-03-31 | 10.83% | 0.71% | 0.24% | 2.28% | 3.71% |
| 2024-12-31 | 10.76% | 0.71% | 0.25% | 2.32% | 3.73% |
| 2024-09-30 | 10.63% | 0.86% | 0.27% | 2.62% | 3.55% |
| 2024-06-30 | 10.34% | 0.77% | 0.24% | 2.36% | 3.50% |
| 2024-03-31 | 10.34% | 0.71% | 0.20% | 1.96% | 3.37% |
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Frequently asked about NORTH STATE BANK
What are North State Bank's total assets?
As of the Q4 2025 filing, North State Bank reported total assets of $1.38 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is North State Bank headquartered?
North State Bank is headquartered in RALEIGH, NC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was North State Bank founded?
North State Bank was established in 2000, per the FDIC institution directory.
Is North State Bank FDIC-insured?
Yes. North State Bank is an FDIC-insured commercial bank (FDIC Certificate #35519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North State Bank?
North State Bank'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 State Bank's CET1 capital ratio?
North State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.28% in its most recent quarterly filing — above regulatory minimums.
How many branches does North State Bank operate?
North State Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is North State Bank's Texas Ratio?
North State Bank's Texas Ratio is 1.04% — 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.