North State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North State Bank of Raleigh, NC against its peer group of 941 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 | 0.81% | 1.34% | -0.53% | 17th bottom |
| ROAE | 9.60% | 12.34% | -2.74% | 26th below |
| Net Interest Margin | 4.04% | 3.83% | +0.21% | 71st above |
| Efficiency Ratio | 81.31% | 58.97% | +22.34% | 5th bottom |
| PPNR / Avg Assets | 0.81% | — | — | 8th bottom |
| Yield on Earning Assets | 5.45% | 5.71% | -0.26% | 44th below |
| Cost of Funds | 1.46% | 2.02% | -0.56% | 81st top |
| Net Interest Spread | 3.33% | — | — | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.87% | -0.70% | 80th top |
| NPA / Total Assets | 0.15% | — | — | 78th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 59th above |
| ACL / Total Loans | 0.66% | — | — | 8th bottom |
| ACL / NPLs (Coverage) | 391.54% | — | — | 72nd above |
| Texas Ratio | 1.68% | 5.48% | -3.80% | 74th above |
| Provision / NCO | -57.58% | — | — | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.34% | 14.99% | -3.65% | 15th bottom |
| Tier 1 Ratio | 11.34% | 15.02% | -3.68% | 14th bottom |
| Total Capital Ratio | 12.07% | — | — | 9th bottom |
| Leverage Ratio | 8.50% | 11.11% | -2.61% | 6th bottom |
| Equity / Assets | 8.41% | 11.02% | -2.61% | 12th bottom |
| TCE / Tangible Assets | 8.36% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.83% | 86.99% | +7.84% | 30th below |
| Core Deposit Ratio | 98.71% | 85.57% | +13.14% | 97th top |
| Uninsured Deposit Ratio | 30.89% | 33.19% | -2.30% | 50th above |
| Wholesale Funding Ratio | 6.84% | — | — | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.84% | — | — | 53rd above |
| Loan Growth (Y/Y) | -0.69% | — | — | 14th bottom |
| Deposit Growth (Y/Y) | 6.68% | — | — | 59th above |
See North State Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North State Bank, 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 State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the North State Bank peer analysis.