BlastPoint's Banking Scorecard
LifeStore Bank
West Jefferson, NC
4 branches across NC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in NC.
- Deposits +2.3% year over year ($429.7M on the books).
- Delinquency rate 1.13%.
- Return on assets 1.14%.
- Efficiency ratio 60.96% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.54% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
LifeStore Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.51% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Net Interest Margin 0.22% below tier average
- - Delinquency Rate 0.21% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$491.3M
+3.6% YoY
-2.3% QoQ
|
+$104.8M |
$386.6M
+1.2% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$320.3M
+9.0% YoY
+5.0% QoQ
|
+$61.9M |
$258.3M
+1.7% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$429.7M
+2.3% YoY
-3.1% QoQ
|
+$103.0M |
$326.7M
+0.7% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.14%
+14.8% YoY
+6.6% QoQ
|
-0.18% |
1.32%
+10.8% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.76%
+6.7% YoY
+1.9% QoQ
|
-0.22% |
3.99%
+5.0% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
60.96%
-9.7% YoY
-4.8% QoQ
|
-3.51% |
64.48%
-3.2% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
1.13%
-3.0% YoY
-7.7% QoQ
|
+0.21% |
0.92%
+15.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
74.54%
+6.6% YoY
+8.3% QoQ
|
-3.42% |
77.95%
+1.0% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
20.17%
-7.1% YoY
+1.6% QoQ
|
-1.86% |
22.03%
-0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.86%
-2.2% YoY
-3.3% QoQ
|
+0.19% |
0.67%
+16.4% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
18.65%
+4.8% YoY
-1.7% QoQ
|
+2.74% |
15.91%
+1.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.22%
-22.0% YoY
+113.7% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
57% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.2%
-1.5pp YoY +0.3pp QoQ |
-2.0pp | 22.1% | 21.8% | 22.2% | 46% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.4%
-1.7pp YoY -0.3pp QoQ |
-8.2pp | 11.6% | 10.5% | 12.5% | 11% |
| CRE |
33.5%
-1.9pp YoY +0.6pp QoQ |
-6.1pp | 39.5% | 46.3% | 41.4% | 41% |
| 1-4 Family |
60.2%
+3.6pp YoY -0.1pp QoQ |
+27.6pp | 32.6% | 44.2% | 31.3% | 90% |
| Consumer |
0.8%
+0.1pp YoY 0.0pp QoQ |
-3.3pp | 4.1% | 1.6% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.6%
+0.8pp YoY -0.3pp QoQ |
-0.2pp | 18.8% | 22.8% | 19.7% | 73% |
| Leverage Ratio |
11.9%
+0.6pp YoY +0.5pp QoQ |
-0.3pp | 12.2% | 14.4% | 12.6% | 64% |
| Total Capital Ratio |
19.9%
+0.8pp YoY -0.3pp QoQ |
0.0pp | 19.9% | 23.8% | 20.8% | 73% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
74
+4 (+5.7%) YoY 0 QoQ |
+15 | 58 | 5,103 | 482 | 73% |
| Assets per Employee ($) |
$6.6M
-2.0% YoY -2.3% QoQ |
-$879K | $7.5M | $9.4M | $8.8M | 45% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 170 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.3%
-0.1pp YoY -0.1pp QoQ |
+0.4pp | 0.9% | 0.7% | 1.0% | 78% |
| Allowance Coverage |
1.25x
-3.3% YoY +8.0% QoQ |
-22.90x | 24.15x | 3.36x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+0.8pp YoY +0.5pp QoQ |
-1.8pp | 12.2% | 8.7% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 57% |
| Net Income ($, YTD) |
$2.8M
+20.6% YoY — QoQ |
+$282K | $2.6M | $518.0M | $40.4M | 67% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.