BlastPoint's Banking Scorecard
North American Banking Company
Community
Specialty: Commercial
MN
FDIC cert 34836
Roseville, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
North American Banking Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 32% in Community
- + Non-Interest-Bearing Deposit Share 15.42% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 2% in Community
- - Credit Risk Growth: Bottom 32% in Community
- - Net Interest Margin 1.23% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+7.5% YoY
+3.9% QoQ
|
+$69.4M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$754.2M
+3.6% YoY
+0.3% QoQ
|
-$221.3M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$1.1B
-6.6% YoY
-1.6% QoQ
|
-$51.4M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.52%
+92.4% YoY
+13.4% QoQ
|
+0.36% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
2.43%
+45.2% YoY
+6.7% QoQ
|
-1.23% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
56.59%
-20.2% YoY
-2.6% QoQ
|
-6.04% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.45%
+557.3% YoY
-3.7% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
67.75%
+10.9% YoY
+1.9% QoQ
|
-15.31% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
36.46%
-9.3% YoY
-2.0% QoQ
|
+15.42% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.26%
+47.9% YoY
-30.1% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.25%
+9.8% YoY
-0.5% QoQ
|
+4.01% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
1.34%
+34.2% YoY
+35.7% QoQ
|
+0.60% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#119 of 371 · Top 32% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.34%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.52%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Why this stands out
Current:
36.46%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (3)
Deposit Outflow
decline
#6 of 248 · Bottom 2% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Credit Risk Growth
risk
#203 of 642 · Bottom 32% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.43%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.46% · Tier avg: 21.05%
92
92th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
74
74th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 10.24%
69
69th pctile
Efficiency Ratio
Current: 56.59% · Tier avg: 62.63%
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
54
54th pctile
Total Loans
Current: $754.2M · Tier avg: $975.5M
51
51th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.75% · Tier avg: 83.06%
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.66%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.66%
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.75% · Tier avg: 83.06%
51
51th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
54
54th pctile
Total Loans
Current: $754.2M · Tier avg: $975.5M
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
69
69th pctile
Efficiency Ratio
Current: 56.59% · Tier avg: 62.63%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 10.24%
74
74th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
92
92th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.46% · Tier avg: 21.05%