BlastPoint's Banking Scorecard

BlueHarbor Bank

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

Mooresville, NC

3 branches across NC

2664 banks in the $100M-$1B peer group nationally 17 in NC

BlueHarbor Bank shows strong momentum with 5 strengths and 19.3% 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 34.5% in tier
+ Efficiency Ratio 30.13% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.30% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$623.3M +19.3% YoY +2.7% QoQ	+$237.2M	$386.1M +0.5% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$525.6M +22.0% YoY +1.7% QoQ	+$269.9M	$255.7M +1.1% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	Top 9.2% in tier
Total Deposits ?	$549.6M +20.1% YoY +3.0% QoQ	+$221.7M	$328.0M +0.1% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	2.17% +16.5% YoY +8.6% QoQ	+0.90%	1.27% +12.9% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	Top 9.3% in tier
Net Interest Margin ?	4.23% +4.9% YoY -0.1% QoQ	+0.30%	3.93% +6.0% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	35.16% -14.5% YoY -5.3% QoQ	-30.13%	65.29% -4.5% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	Top 1.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	95.62% +1.5% YoY -1.3% QoQ	+18.98%	76.64% +0.8% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	Bottom 14.7% in tier
Non-Interest-Bearing Deposit Share ?	29.02% +0.6% YoY -2.3% QoQ	+7.00%	22.02% -1.0% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.71% -5.9% YoY -0.4% QoQ	-3.12%	15.83% +1.5% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.07% -4.1% YoY -74.5% QoQ	-0.21%	0.28% +9.3% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	31%

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$250B+

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)

Profitability Leader

growth

#231 of 666 • Top 34.5% in tier

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

Why this signature

Return on Assets: 2.17%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 35.16%

Peer Median: 65.29%

#49 of 2664 Top 1.8% in $100M-$1B

247

Total Loans

size

Value: $525.57M

Peer Median: $255.72M

#247 of 2664 Top 9.2% in $100M-$1B

248

Return on Assets

profitability

Value: 2.17%

Peer Median: 1.27%

#248 of 2664 Top 9.3% in $100M-$1B

434

Total Deposits

size

Value: $549.65M

Peer Median: $327.97M

#434 of 2664 Top 16.3% in $100M-$1B

475

Total Assets

size

Value: $623.33M

Peer Median: $386.08M

#475 of 2664 Top 17.8% in $100M-$1B

551

Non-Interest-Bearing Deposit Share

funding

Value: 29.02%

Peer Median: 22.02%

#551 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (1 metrics)

2273

Loan-to-Deposit Ratio

liquidity

Value: 95.62%

Peer Median: 76.64%

#2273 of 2664 Bottom 14.7% in $100M-$1B