BlastPoint's Banking Scorecard
BlueHarbor Bank
Community
Specialty: Commercial
NC
FDIC cert 58691
Mooresville, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
BlueHarbor Bank shows strong momentum with 4 strengths and 19.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 9% in Community
- + Efficiency Ratio 25.51% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$606.8M
+19.6% YoY
+6.1% QoQ
|
-$784.6M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$516.8M
+20.6% YoY
+5.2% QoQ
|
-$458.7M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$533.6M
+21.1% YoY
+7.2% QoQ
|
-$631.0M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.99%
+37.6% YoY
+3.5% QoQ
|
+0.83% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.23%
+7.2% YoY
+0.7% QoQ
|
+0.57% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
37.12%
-26.6% YoY
-3.1% QoQ
|
-25.51% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
96.85%
-0.4% YoY
-1.9% QoQ
|
+13.79% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
29.71%
+4.1% YoY
+2.2% QoQ
|
+8.66% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.76%
-2.8% YoY
-0.7% QoQ
|
+2.52% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.27%
-12.8% YoY
+29.1% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#36 of 371 · Top 9% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.99%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
37.12%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
97
97th pctile
Efficiency Ratio
Current: 37.12% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.16%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 29.71% · Tier avg: 21.05%
82
82th pctile
Loan-to-Deposit Ratio
Current: 96.85% · Tier avg: 83.06%
79
79th pctile
Net Interest Margin
Current: 4.23% · Tier avg: 3.66%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.76% · Tier avg: 10.24%
33
33th pctile
Total Loans
Current: $516.8M · Tier avg: $975.5M
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
18
18th pctile
Total Deposits
Current: $533.6M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $606.8M · Tier avg: $1.4B
Top Weaknesses
15
15th pctile
Total Assets
Current: $606.8M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $533.6M · Tier avg: $1.2B
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
33
33th pctile
Total Loans
Current: $516.8M · Tier avg: $975.5M
55
55th pctile
Tier 1 Capital Ratio
Current: 12.76% · Tier avg: 10.24%
79
79th pctile
Net Interest Margin
Current: 4.23% · Tier avg: 3.66%
82
82th pctile
Loan-to-Deposit Ratio
Current: 96.85% · Tier avg: 83.06%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 29.71% · Tier avg: 21.05%
91
91th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.16%
97
97th pctile
Efficiency Ratio
Current: 37.12% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%