BlastPoint's Banking Scorecard

North State Bank

$1B-$10B Specialty: Commercial NC FDIC cert 35519

Designations: ✓ Community bank

Raleigh, NC

7 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 885 banks in the $1B-$10B peer group nationwide — 1 of 9 in NC.
Deposits +6.7% year over year ($1.2B on the books).
Delinquency rate 0.17%.
Return on assets 0.79%.
Efficiency ratio 82.03% vs a 59.73% peer average.
Loan-to-deposit ratio 94.20% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 9 in NC

View $1B-$10B leaderboard (NC) →

North State Bank has 2 strengths but faces 3 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

+ Credit Quality Leader: Top 40.3% in tier
+ Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.9% in tier
- Efficiency Drag: Bottom 28.3% in tier
- ROA 0.60% below tier average

Get updates when North State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$1.5B +5.8% YoY +0.3% QoQ	-$1.3B	$2.8B -0.6% YoY	$92.1B +0.4% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$1.2B -0.6% YoY -1.0% QoQ	-$807.6M	$2.0B -0.3% YoY	$45.3B +5.8% YoY	$3.2B +9.4% YoY	41%
Total Deposits ?	$1.2B +6.7% YoY +0.2% QoQ	-$1.1B	$2.3B -0.5% YoY	$72.9B +1.1% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	0.79% +5.6% YoY +2.6% QoQ	-0.60%	1.39% +17.0% YoY	1.06% +26.4% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	4.00% +2.9% YoY +1.8% QoQ	+0.13%	3.87% +6.2% YoY	3.48% +5.1% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	82.03% +2.1% YoY -0.5% QoQ	+22.31%	59.73% -12.6% YoY	69.25% -8.2% YoY	70.05% +2.5% YoY	Bottom 5.5% in tier
Delinquency Rate ?	0.17% -29.9% YoY +30.8% QoQ	-0.70%	0.87% +11.7% YoY	0.62% +17.0% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	94.20% -6.9% YoY -1.2% QoQ	+9.17%	85.04% -0.1% YoY	80.66% +1.6% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	32.65% -5.7% YoY -7.0% QoQ	+11.38%	21.27% -1.5% YoY	18.90% +1.9% YoY	21.98% -0.6% YoY	Top 10.7% in tier
Nonperforming Asset Ratio ?	0.15% -26.8% YoY +43.6% QoQ	-0.52%	0.67% +11.7% YoY	0.44% +14.6% YoY	0.69% +15.8% YoY	79%
Tier 1 Capital Ratio ?	11.34% +4.3% YoY +1.8% QoQ	-3.50%	14.84% -0.4% YoY	20.01% +3.4% YoY	17.09% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.32% +2.9% YoY +80.6% QoQ	-0.20%	0.53% +2.5% 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

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Noninterest-Bearing	32.7% -2.0pp YoY -2.5pp QoQ	+11.3pp	21.4%	21.8%	22.2%	89%
Brokered Deposits	n/a	n/a	9.5%	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	11.4% +0.7pp YoY +0.4pp QoQ	-2.6pp	14.0%	10.5%	12.5%	51%
CRE	56.2% +0.2pp YoY -0.4pp QoQ	+6.2pp	50.0%	46.3%	41.4%	67%
1-4 Family	32.7% -0.9pp YoY 0.0pp QoQ	+6.3pp	26.4%	44.2%	31.3%	71%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	1.6%	5.0%	21%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
CET1 Ratio	11.3% +0.5pp YoY +0.2pp QoQ	-4.3pp	15.6%	22.8%	19.7%	14%
Leverage Ratio	8.5% +0.1pp YoY 0.0pp QoQ	-2.8pp	11.3%	14.4%	12.6%	5%
Total Capital Ratio	12.1% +0.4pp YoY +0.2pp QoQ	-4.6pp	16.7%	23.8%	20.8%	9%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Full-Time Employees	196 +7 (+3.7%) YoY 0 QoQ	-118	313	5,103	482	40%
Assets per Employee ($)	$7.5M +2.1% YoY +0.3% QoQ	-$3.0M	$10.5M	$9.4M	$8.8M	30%
Branch Count	7 0 YoY 0 QoQ	-13	20	170	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.1pp	0.2%	0.1%	0.4%	65%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.7%	1.0%	12%
Allowance Coverage	3.92x +33.5% YoY -23.1% QoQ	-14.79x	18.71x	3.36x	20.23x	72%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
ROE	9.3% +0.2pp YoY +0.3pp QoQ	-3.3pp	12.6%	8.7%	11.6%	28%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.9%	1.8%	1.7%	19%
Net Income ($, YTD)	$5.7M +7.6% YoY — QoQ	-$13.6M	$19.2M	$518.0M	$40.4M	15%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Credit Quality Leader

growth

#90 of 221 • Top 40.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#33 of 361 • Bottom 8.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.20%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#18 of 60 • Bottom 28.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.03%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 32.65%

Peer Median: 21.27%

#96 of 885 Top 10.7% in $1B-$10B

172

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 0.87%

#172 of 882 Top 19.4% in $1B-$10B

191

Nonperforming Asset Ratio

credit_quality

Value: 0.15%

Peer Median: 0.67%

#191 of 885 Top 21.5% in $1B-$10B

Top Weaknesses (3 metrics)

837

Efficiency Ratio

profitability

Value: 82.03%

Peer Median: 59.73%

#837 of 885 Bottom 5.5% in $1B-$10B

727

Return on Assets

profitability

Value: 0.79%

Peer Median: 1.39%

#727 of 885 Bottom 18.0% in $1B-$10B

680

Tier 1 Capital Ratio

capital

Value: 11.34%

Peer Median: 14.84%

#680 of 885 Bottom 23.3% in $1B-$10B