BlastPoint's Banking Scorecard
North State Bank
Community
Specialty: Commercial
NC
FDIC cert 35519
Raleigh, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
North State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 15% in Community
- - Deposit Outflow: Bottom 19% in Community
- - Liquidity Strain: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-1.8% YoY
+1.0% QoQ
|
-$8.1M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.2B
-0.6% YoY
+0.2% QoQ
|
+$177.1M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.1B
-2.9% YoY
+1.2% QoQ
|
-$15.7M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.96%
+25.5% YoY
+16.0% QoQ
|
-0.21% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
4.00%
+11.0% YoY
-0.3% QoQ
|
+0.34% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
78.49%
-1.6% YoY
-3.0% QoQ
|
+15.86% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.12%
-52.9% YoY
-17.9% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
100.32%
+2.4% YoY
-1.1% QoQ
|
+17.25% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.39%
-3.9% YoY
-0.5% QoQ
|
+12.34% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-52.3% YoY
-18.6% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
11.28%
+4.9% YoY
+0.4% QoQ
|
+1.04% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.75%
+13.9% YoY
+35.4% QoQ
|
+0.01% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#37 of 245 · Bottom 15% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.96%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Deposit Outflow
decline
#49 of 248 · Bottom 19% 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
|
QoQ rank declining
Liquidity Strain
risk
#117 of 513 · Bottom 23% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.32%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.39% · Tier avg: 21.05%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
39
39th pctile
Tier 1 Capital Ratio
Current: 11.28% · Tier avg: 10.24%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
13
13th pctile
Loan-to-Deposit Ratio
Current: 100.32% · Tier avg: 83.06%
12
12th pctile
Efficiency Ratio
Current: 78.49% · Tier avg: 62.63%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 78.49% · Tier avg: 62.63%
13
13th pctile
Loan-to-Deposit Ratio
Current: 100.32% · Tier avg: 83.06%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.28% · Tier avg: 10.24%
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.39% · Tier avg: 21.05%