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North American Banking Company

$1B-$10B Specialty: Commercial MN FDIC cert 34836

Designations: ✓ Community bank

Roseville, MN

6 branches across MN

884 banks in the $1B-$10B peer group nationally 16 in MN
View $1B-$10B leaderboard (MN) →

North American Banking Company has 5 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 9.0% in tier
  • + Revenue Diversifier: Top 19.0% in tier
  • + Non-Interest-Bearing Deposit Share 18.31% above tier average
  • + Efficiency Ratio 9.64% below tier average
  • + Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 13.1% in tier
  • - Deposit Outflow: Bottom 21.5% in tier
  • - Credit Quality Pressure: Bottom 24.2% in tier
  • - Net Interest Margin 0.87% below tier average
Get updates when North American Banking Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $1.5B
+6.2% YoY -0.5% QoQ
-$1.4B $2.8B
-0.1% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
32%
Total Loans ? $758.6M
+4.5% YoY +0.6% QoQ
-$1.2B $2.0B
+0.6% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
Bottom 10.9% in tier
Total Deposits ? $1.1B
-4.4% YoY +2.2% QoQ
-$1.2B $2.3B
-0.3% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
26%
Return on Assets ? 1.90%
+97.1% YoY +24.9% QoQ
+0.53% 1.37%
+19.6% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
Top 13.8% in tier
Net Interest Margin ? 2.95%
+43.5% YoY +21.4% QoQ
-0.87% 3.82%
+6.9% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
Bottom 14.7% in tier
Efficiency Ratio ? 51.42%
-18.9% YoY -9.1% QoQ
-9.64% 61.06%
-4.6% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
74%
Delinquency Rate ? 0.54%
+7.1% YoY +19.9% QoQ
-0.35% 0.89%
+14.1% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
51%
Loan-to-Deposit Ratio ? 66.69%
+9.3% YoY -1.6% QoQ
-17.52% 84.20%
+0.3% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
Top 13.8% in tier
Non-Interest-Bearing Deposit Share ? 39.60%
+0.0% YoY +8.6% QoQ
+18.31% 21.29%
-2.5% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
Top 4.9% in tier
Nonperforming Asset Ratio ? 0.31%
-23.0% YoY +17.6% QoQ
-0.36% 0.67%
+15.6% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
62%
Tier 1 Capital Ratio ? 14.42%
+7.1% YoY +1.2% QoQ
-0.74% 15.16%
+2.0% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.41%
+39.9% YoY -69.6% QoQ
+0.15% 0.26%
+1.6% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
Top 8.6% in tier

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#21 of 221 • Top 9.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.90%
(Tier: 1.37%, National: 1.23%)
better than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ

Revenue Diversifier

growth
#43 of 221 • Top 19.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.41%
(Tier: 0.26%, National: 0.32%)
better than tier avg
Return on Assets: 1.90%
(Tier: 1.37%, National: 1.23%)
better than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#56 of 420 • Bottom 13.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#29 of 130 • Bottom 21.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#125 of 513 • Bottom 24.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.54%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

44
Non-Interest-Bearing Deposit Share
funding
Value: 39.60%
Peer Median: 21.29%
#44 of 884 Top 4.9% in $1B-$10B
77
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.26%
#77 of 884 Top 8.6% in $1B-$10B
123
Return on Assets
profitability
Value: 1.90%
Peer Median: 1.37%
#123 of 884 Top 13.8% in $1B-$10B
123
Loan-to-Deposit Ratio
liquidity
Value: 66.69%
Peer Median: 84.20%
#123 of 884 Top 13.8% in $1B-$10B

Top Weaknesses (2 metrics)

789
Total Loans
size
Value: $758.61M
Peer Median: $1.96B
#789 of 884 Bottom 10.9% in $1B-$10B
755
Net Interest Margin
profitability
Value: 2.95%
Peer Median: 3.82%
#755 of 884 Bottom 14.7% in $1B-$10B
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