North Shore Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Shore Bank of Commerce of Duluth, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.78% | 1.34% | +0.44% | 77th top |
| ROAE | 21.15% | 13.31% | +7.84% | 90th top |
| Net Interest Margin | 4.51% | 3.93% | +0.58% | 79th top |
| Efficiency Ratio | 70.18% | 61.13% | +9.05% | 28th below |
| PPNR / Avg Assets | 1.88% | 1.68% | +0.20% | 67th above |
| Yield on Earning Assets | 6.40% | 5.67% | +0.73% | 84th top |
| Cost of Funds | 1.95% | 1.88% | +0.07% | 40th below |
| Net Interest Spread | 3.80% | 3.32% | +0.48% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 69th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.64% | 1.28% | -0.64% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 472.53% | 1539.35% | -1066.82% | 70th above |
| Texas Ratio | 1.88% | 7.33% | -5.45% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.74% | 12.14% | -3.40% | 9th bottom |
| Equity / Assets | 8.33% | 11.38% | -3.05% | 17th bottom |
| TCE / Tangible Assets | 8.33% | 11.09% | -2.76% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.30% | 80.63% | +10.67% | 26th below |
| Core Deposit Ratio | 93.62% | 86.86% | +6.76% | 77th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.61% | 5.03% | -1.42% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.47% | 6.85% | +1.62% | 77th top |
| Loan Growth (Y/Y) | 9.78% | 7.90% | +1.88% | 73rd above |
| Deposit Growth (Y/Y) | 10.46% | 6.29% | +4.17% | 84th top |
See North Shore Bank of Commerce's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Shore Bank of Commerce, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full North Shore Bank of Commerce profile, how to read a UBPR, or how this data updates.