BlastPoint's Banking Scorecard
North Shore Bank of Commerce
Duluth, MN
7 branches across MN
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 151 in MN.
- Deposits +10.5% year over year ($516.5M on the books).
- Delinquency rate 0.14%.
- Return on assets 1.56%.
- Efficiency ratio 72.56% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.72% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 8.9% in tier
- + ROA 0.24% above tier average
- + Net Interest Margin 0.41% above tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.0% in tier
- - Credit Risk Growth: Bottom 37.1% in tier
- - Liquidity Strain: Bottom 40.8% in tier
- - Efficiency Ratio 8.08% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$598.5M
+8.5% YoY
+3.1% QoQ
|
+$212.0M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$468.6M
+9.7% YoY
+4.2% QoQ
|
+$210.2M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 14.2% in tier |
| Total Deposits ? |
$516.5M
+10.5% YoY
+5.1% QoQ
|
+$189.8M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
1.56%
+20.1% YoY
+16.2% QoQ
|
+0.24% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
4.40%
+6.5% YoY
+3.1% QoQ
|
+0.41% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
72.56%
-4.5% YoY
-3.2% QoQ
|
+8.08% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.14%
+5.3% YoY
-36.7% QoQ
|
-0.78% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
90.72%
-0.7% YoY
-0.8% QoQ
|
+12.76% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
26.95%
-3.1% YoY
+1.1% QoQ
|
+4.92% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.11%
+6.5% YoY
-36.0% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
8.74%
-2.2% YoY
-1.7% QoQ
|
-7.17% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.5% in tier |
| Non-Interest Income / Assets ? |
1.01%
-2.6% YoY
+114.6% QoQ
|
+0.45% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Top 3.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.9%
-0.9pp YoY +0.3pp QoQ |
+4.8pp | 22.1% | 21.9% | 22.2% | 73% |
| Brokered Deposits |
0.1%
-0.8pp YoY -0.4pp QoQ |
-7.8pp | 7.9% | 8.3% | 8.5% | 6% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.8%
+1.1pp YoY +0.2pp QoQ |
-4.8pp | 11.6% | 14.6% | 12.5% | 32% |
| CRE |
32.9%
+0.7pp YoY -0.1pp QoQ |
-6.7pp | 39.5% | 36.5% | 41.4% | 40% |
| 1-4 Family |
59.1%
-0.7pp YoY +0.2pp QoQ |
+26.5pp | 32.6% | 29.4% | 31.3% | 89% |
| Consumer |
1.4%
-1.0pp YoY -0.3pp QoQ |
-2.7pp | 4.1% | 4.5% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
8.7%
-0.2pp YoY -0.2pp QoQ |
-3.4pp | 12.2% | 11.0% | 12.6% | 9% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
129
+1 (+0.8%) YoY +7 (+5.7%) QoQ |
+70 | 58 | 55 | 482 | 95% |
| Assets per Employee ($) |
$4.6M
+7.6% YoY -2.5% QoQ |
-$2.9M | $7.5M | $8.6M | $8.8M | 10% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 4 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 46% |
| Nonaccrual |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 14% |
| Allowance Coverage |
4.49x
+3.8% YoY +59.5% QoQ |
-19.67x | 24.15x | 20.41x | 20.23x | 68% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.3%
+3.4pp YoY +2.7pp QoQ |
+6.1pp | 12.2% | 13.1% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 63% |
| Net Income ($, YTD) |
$4.6M
+31.2% YoY — QoQ |
+$2.0M | $2.6M | $4.5M | $40.4M | 85% |
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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.