Northstar Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northstar Bank of Bad Axe, MI against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.32% | 1.46% | -0.14% | 54th above |
| ROAE | 15.14% | 12.69% | +2.45% | 72nd above |
| Net Interest Margin | 4.03% | 3.85% | +0.18% | 70th above |
| Efficiency Ratio | 60.99% | 57.40% | +3.59% | 41st below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.72% | 1.88% | -0.16% | 50th above |
| Yield on Earning Assets | 5.86% | 5.72% | +0.14% | 68th above |
| Cost of Funds | 1.93% | 2.02% | -0.09% | 55th above |
| Net Interest Spread | 3.48% | 3.18% | +0.30% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.15% | 1.00% | +1.15% | 10th bottom |
| NPA / Total Assets | 2.29% | 0.76% | +1.53% | 5th bottom |
| NCO / Avg Loans | -0.03% | 0.43% | -0.46% | 95th top |
| ACL / Total Loans | 1.33% | 1.31% | +0.02% | 74th above |
| ACL / NPLs (Coverage) | 62.17% | 564.59% | -502.42% | 14th bottom |
| Texas Ratio | 25.44% | 7.38% | +18.06% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.11% | 11.44% | -2.33% | 14th bottom |
| Equity / Assets | 8.72% | 11.34% | -2.62% | 16th bottom |
| TCE / Tangible Assets | 8.44% | 10.50% | -2.06% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.34% | 86.95% | +15.39% | 13th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.10% | 85.55% | +2.55% | 47th below |
| Uninsured Deposit Ratio | 28.43% | 33.13% | -4.70% | 59th above |
| Wholesale Funding Ratio | 6.46% | 5.70% | +0.76% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.40% | 9.68% | +1.72% | 80th top |
| Loan Growth (Y/Y) | 11.97% | 8.06% | +3.91% | 79th top |
| Deposit Growth (Y/Y) | 13.05% | 7.87% | +5.18% | 83rd top |
See Northstar Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northstar 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 Northstar Bank profile, how to read a UBPR, or how this data updates.