Bank Comparison
North State Bank vs Northwest Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | North State Bank | Northwest Bank |
|---|---|---|
| CET1 Ratio | 11.15% | — |
| Tier 1 Capital Ratio | 11.15% | — |
| Total Capital Ratio | 11.87% | — |
| Tier 1 Leverage Ratio | 8.51% | 15.69% |
| Equity / Assets | 8.35% | 15.65% |
Profitability
| Metric | North State Bank | Northwest Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.38% |
| Return on Equity (ROE) | 8.99% | 8.92% |
| Net Interest Margin (NIM) | 3.87% | 4.43% |
| Yield on Earning Assets | 5.29% | 6.70% |
| Cost of Funds | 1.49% | 2.67% |
Asset quality
| Metric | North State Bank | Northwest Bank |
|---|---|---|
| Texas Ratio | 1.18% | 13.73% |
| Non-Performing Loan Ratio | 0.13% | 3.69% |
| Non-Performing Asset Ratio | 0.10% | 2.28% |
| Net Charge-Off Ratio | -0.08% | 0.94% |
| ACL / Loans | 0.66% | 1.66% |
Balance sheet
| Metric | North State Bank | Northwest Bank |
|---|---|---|
| Total Assets | $1,457M | $1,461M |
| Total Deposits | $1,223M | $1,120M |
| Total Loans | $1,174M | $904,589K |
| Total Equity | $121,658K | $228,706K |
| Net Income (quarter) | $2,736K | $5,047K |
Liquidity & funding
| Metric | North State Bank | Northwest Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.97% | 80.74% |
| Core Deposit Ratio | 98.98% | 93.28% |
| Uninsured Deposit Ratio | 33.07% | 41.69% |
Identity
| Metric | North State Bank | Northwest Bank |
|---|---|---|
| Headquarters City | RALEIGH | BOISE |
| Headquarters State | NC | ID |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 6 |
| Employees (FTE) | 196 | 129 |
| Established | June 1, 2000, midnight | March 31, 2008, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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