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BlueHarbor Bank

$100M-$1B Specialty: Commercial NC FDIC cert 58691

Mooresville, NC

3 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 +17.8% year over year ($551.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.21%.
  • Efficiency ratio 33.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.52% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

BlueHarbor Bank shows strong momentum with 5 strengths and 15.4% YoY asset growth

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 25.9% in tier
  • + Efficiency Ratio 30.88% below tier average
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.27% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when BlueHarbor 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 ? $628.4M
+15.4% YoY +0.8% QoQ
+$241.8M $386.6M
+1.2% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $532.0M
+16.2% YoY +1.2% QoQ
+$273.7M $258.3M
+1.7% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
Top 8.9% in tier
Total Deposits ? $551.2M
+17.8% YoY +0.3% QoQ
+$224.5M $326.7M
+0.7% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 2.21%
+18.3% YoY +2.1% QoQ
+0.89% 1.32%
+10.8% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
Top 8.6% in tier
Net Interest Margin ? 4.26%
+3.8% YoY +0.8% QoQ
+0.27% 3.99%
+5.0% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 33.60%
-15.8% YoY -4.4% QoQ
-30.88% 64.48%
-3.2% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
Top 1.4% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 96.52%
-1.3% YoY +0.9% QoQ
+18.57% 77.95%
+1.0% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
Bottom 14.2% in tier
Non-Interest-Bearing Deposit Share ? 29.44%
-1.0% YoY +1.4% QoQ
+7.41% 22.03%
-0.6% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.14%
+0.5% YoY +3.5% QoQ
-2.76% 15.91%
+1.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.14%
-5.6% YoY +98.2% QoQ
-0.43% 0.57%
+7.6% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
30%

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 29.4%
-0.3pp YoY
+0.4pp QoQ
 +7.3pp 22.1% 21.8% 22.2% 80%
Brokered Deposits 10.0%
+7.5pp YoY
+1.2pp QoQ
 +2.1pp 7.9% 7.7% 8.5% 75%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I 9.4%
-0.3pp YoY
0.0pp QoQ
 -2.1pp 11.6% 10.5% 12.5% 49%
CRE 55.5%
+0.6pp YoY
+0.2pp QoQ
 +16.0pp 39.5% 46.3% 41.4% 79%
1-4 Family 35.1%
0.0pp YoY
-0.2pp QoQ
 +2.4pp 32.6% 44.2% 31.3% 62%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -3.9pp 4.1% 1.6% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio 13.1%
+0.1pp YoY
+0.4pp QoQ
 -5.7pp 18.8% 22.8% 19.7% 30%
Leverage Ratio 11.8%
-0.2pp YoY
+0.3pp QoQ
 -0.4pp 12.2% 14.4% 12.6% 62%
Total Capital Ratio 14.2%
+0.1pp YoY
+0.4pp QoQ
 -5.8pp 19.9% 23.8% 20.8% 28%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 42
+3 (+7.7%) YoY
+2 (+5.0%) QoQ
 -17 58 5,103 482 44%
Assets per Employee ($) $15.0M
+7.2% YoY
-4.0% QoQ
 +$7.4M $7.5M $9.4M $8.8M 97%
Branch Count 3
0 YoY
0 QoQ
 -2 4 170 18 26%

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 n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 3.36x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
ROE 20.5%
+3.4pp YoY
+0.2pp QoQ
 +8.3pp 12.2% 8.7% 11.6% 89%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 46%
Net Income ($, YTD) $6.9M
+39.7% YoY
— QoQ
 +$4.3M $2.6M $518.0M $40.4M 95%

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)

Profitability Leader

growth
#172 of 661 • Top 25.9% in tier

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

Why this signature
Return on Assets: 2.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (8 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
38
Efficiency Ratio
profitability
Value: 33.60%
Peer Median: 64.48%
#38 of 2643 Top 1.4% in $100M-$1B
229
Return on Assets
profitability
Value: 2.21%
Peer Median: 1.32%
#229 of 2643 Top 8.6% in $100M-$1B
237
Total Loans
size
Value: $532.00M
Peer Median: $258.35M
#237 of 2643 Top 8.9% in $100M-$1B
418
Total Deposits
size
Value: $551.19M
Peer Median: $326.73M
#418 of 2643 Top 15.8% in $100M-$1B
463
Total Assets
size
Value: $628.41M
Peer Median: $386.57M
#463 of 2643 Top 17.5% in $100M-$1B
521
Non-Interest-Bearing Deposit Share
funding
Value: 29.44%
Peer Median: 22.03%
#521 of 2643 Top 19.7% in $100M-$1B

Top Weaknesses (1 metrics)

2268
Loan-to-Deposit Ratio
liquidity
Value: 96.52%
Peer Median: 77.95%
#2268 of 2643 Bottom 14.2% in $100M-$1B
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