BlastPoint's Banking Scorecard
North American Banking Company
Designations: ✓ Community bank
Roseville, MN
6 branches across MN
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 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
- Deposits -3.9% year over year ($1.1B on the books).
- Delinquency rate 0.52%.
- Return on assets 2.13%.
- Efficiency ratio 49.73% vs a 59.73% peer average.
- Loan-to-deposit ratio 71.26% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
North American Banking Company has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 6.8% in tier
- + Revenue Diversifier: Top 15.3% in tier
- + Non-Interest-Bearing Deposit Share 18.82% above tier average
- + Efficiency Ratio 10.00% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.5% in tier
- - Net Interest Margin 0.79% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+5.6% YoY
+1.4% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$773.8M
+3.0% YoY
+2.0% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.2% in tier |
| Total Deposits ? |
$1.1B
-3.9% YoY
-4.6% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
2.13%
+92.4% YoY
+12.3% QoQ
|
+0.74% |
1.39%
+17.0% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 8.2% in tier |
| Net Interest Margin ? |
3.08%
+43.8% YoY
+4.3% QoQ
|
-0.79% |
3.87%
+6.2% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
49.73%
-19.3% YoY
-3.3% QoQ
|
-10.00% |
59.73%
-12.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
0.52%
+10.4% YoY
-3.6% QoQ
|
-0.35% |
0.87%
+11.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
71.26%
+7.2% YoY
+6.9% QoQ
|
-13.77% |
85.04%
-0.1% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
40.09%
+7.5% YoY
+1.2% QoQ
|
+18.82% |
21.27%
-1.5% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 4.3% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-18.7% YoY
+0.7% QoQ
|
-0.36% |
0.67%
+11.7% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
14.63%
+6.5% YoY
+1.4% QoQ
|
-0.21% |
14.84%
-0.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.83%
+34.7% YoY
+105.1% QoQ
|
+0.31% |
0.53%
+2.5% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Top 8.2% in tier |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
40.1%
+2.8pp YoY +0.5pp QoQ |
+18.7pp | 21.4% | 21.9% | 22.2% | 96% |
| Brokered Deposits |
0.5%
-0.9pp YoY -0.4pp QoQ |
-9.0pp | 9.5% | 8.3% | 8.5% | 12% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.8%
-0.7pp YoY +0.3pp QoQ |
+3.8pp | 14.0% | 14.6% | 12.5% | 75% |
| CRE |
63.3%
-0.3pp YoY 0.0pp QoQ |
+13.3pp | 50.0% | 36.5% | 41.4% | 81% |
| 1-4 Family |
12.6%
+1.7pp YoY 0.0pp QoQ |
-13.8pp | 26.4% | 29.4% | 31.3% | 24% |
| Consumer |
0.2%
0.0pp YoY -0.1pp QoQ |
-4.5pp | 4.7% | 4.5% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
+0.9pp YoY +0.2pp QoQ |
-1.0pp | 15.6% | 16.5% | 19.7% | 66% |
| Leverage Ratio |
8.9%
+0.1pp YoY +0.4pp QoQ |
-2.4pp | 11.3% | 11.0% | 12.6% | 10% |
| Total Capital Ratio |
15.7%
+0.8pp YoY +0.2pp QoQ |
-1.0pp | 16.7% | 17.6% | 20.8% | 65% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
109
+12 (+12.4%) YoY +5 (+4.8%) QoQ |
-205 | 313 | 55 | 482 | 10% |
| Assets per Employee ($) |
$13.5M
-6.1% YoY -3.3% QoQ |
+$3.0M | $10.5M | $8.6M | $8.8M | 85% |
| Branch Count |
6
0 YoY 0 QoQ |
-14 | 20 | 4 | 18 | 14% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 1.0% | 1.0% | 52% |
| Allowance Coverage |
2.35x
-12.5% YoY +2.8% QoQ |
-16.36x | 18.71x | 20.41x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
32.0%
+11.5pp YoY +3.2pp QoQ |
+19.4pp | 12.6% | 13.1% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.8%
-0.6pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.7% | 1.7% | 43% |
| Net Income ($, YTD) |
$15.6M
+104.8% YoY — QoQ |
-$3.7M | $19.2M | $4.5M | $40.4M | 62% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.