BlastPoint's Banking Scorecard
North State Bank
Designations: ✓ Community bank
Raleigh, NC
7 branches across NC
North State Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.83% above tier average
- + Net Interest Margin 0.11% above tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 12.6% in tier
- - Capital Thin: Bottom 24.0% in tier
- - Efficiency Drag: Bottom 31.1% in tier
- - Flatlined Growth: Bottom 32.7% in tier
- - ROA 0.60% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+1.6% YoY
+5.4% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$1.2B
+0.6% YoY
+1.2% QoQ
|
-$798.0M |
$2.0B
+0.6% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$1.2B
+1.5% YoY
+6.5% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.77%
+9.0% YoY
-19.6% QoQ
|
-0.60% |
1.37%
+19.6% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.93%
+4.4% YoY
-1.9% QoQ
|
+0.11% |
3.82%
+6.9% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
82.47%
+1.0% YoY
+5.1% QoQ
|
+21.41% |
61.06%
-4.6% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate ? |
0.13%
-47.0% YoY
+11.7% QoQ
|
-0.76% |
0.89%
+14.1% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
Top 14.2% in tier |
| Loan-to-Deposit Ratio ? |
95.34%
-0.9% YoY
-5.0% QoQ
|
+11.13% |
84.20%
+0.3% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
35.12%
-0.5% YoY
+5.2% QoQ
|
+13.83% |
21.29%
-2.5% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 8.7% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-47.5% YoY
+7.3% QoQ
|
-0.57% |
0.67%
+15.6% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Top 14.7% in tier |
| Tier 1 Capital Ratio ? |
11.15%
+2.9% YoY
-1.2% QoQ
|
-4.01% |
15.16%
+2.0% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.18%
+28.6% YoY
-76.2% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
64% |
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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 (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.