North Shore Bank of Commerce: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 125.86 percentage points higher than in Q1 2026, at 472.53%. Within Minnesota, North Shore Bank of Commerce is 58th of 221 on return on assets, 1.78% as of Q2 2026, above the middle of the field. North Shore Bank of Commerce reported 1.78% on return on assets for Q2 2026, 0.52 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.74% |
| Equity capital to assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.88% |
| Allowance for credit losses to loans | 0.64% |
| Reserve coverage of non-performing loans | 472.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 21.15% |
| Net interest margin | 4.51% |
| Efficiency ratio | 70.18% |
| Yield on earning assets | 6.40% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.30% |
| Core deposits to total deposits | 93.62% |
| Brokered deposits to total deposits | 0.08% |
| Deposits to assets | 86.30% |
| Securities to assets | 9.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.28% | 1.10% | 4.12% | 0.20% | 0.00% |
| Q4 2023 | 9.03% | 0.77% | 3.90% | 0.10% | 0.01% |
| Q1 2024 | 8.64% | 0.96% | 3.70% | 0.21% | 0.00% |
| Q2 2024 | 8.40% | 1.06% | 3.83% | 0.21% | 0.01% |
| Q3 2024 | 8.54% | 1.45% | 4.19% | 0.16% | 0.01% |
| Q4 2024 | 9.46% | 5.29% | 4.16% | 0.17% | 0.01% |
| Q1 2025 | 9.51% | 1.07% | 3.97% | 0.17% | 0.00% |
| Q2 2025 | 8.93% | 1.55% | 4.18% | 0.20% | 0.00% |
| Q3 2025 | 8.89% | 1.58% | 4.31% | 0.08% | 0.00% |
| Q4 2025 | 9.14% | 2.00% | 4.39% | 0.10% | 0.00% |
| Q1 2026 | 8.89% | 1.35% | 4.19% | 0.18% | 0.00% |
| Q2 2026 | 8.74% | 1.78% | 4.51% | 0.14% | 0.00% |
North Shore Bank of Commerce vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Bank of Commerce, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full North Shore Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8850) · FFIEC NIC profile (RSSD 126553)