BlastPoint's Banking Scorecard
North Shore Bank of Commerce
Duluth, MN
7 branches across MN
North Shore Bank of Commerce has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 11.4% in tier
- + ROA 0.07% above tier average
- + Net Interest Margin 0.33% above tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.7% in tier
- - Credit Risk Growth: Bottom 29.2% in tier
- - Liquidity Strain: Bottom 31.3% in tier
- - Efficiency Ratio 9.65% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$580.8M
+8.1% YoY
-0.3% QoQ
|
+$194.7M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
79% |
| Total Loans ? |
$449.6M
+7.4% YoY
+2.9% QoQ
|
+$193.9M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
85% |
| Total Deposits ? |
$491.6M
+8.9% YoY
-0.4% QoQ
|
+$163.7M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.34%
+26.3% YoY
-13.4% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
4.26%
+5.4% YoY
-0.2% QoQ
|
+0.33% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
74.94%
-4.6% YoY
+3.3% QoQ
|
+9.65% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.23%
+62.2% YoY
+26.4% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
91.46%
-1.4% YoY
+3.2% QoQ
|
+14.82% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
26.67%
-11.4% YoY
-5.6% QoQ
|
+4.65% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.18%
+61.0% YoY
+30.5% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
8.89%
-6.5% YoY
-2.7% QoQ
|
-6.94% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.5% in tier |
| Non-Interest Income / Assets ? |
0.47%
-2.1% YoY
-76.5% QoQ
|
+0.19% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Top 3.6% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.