C
North Shore Bank of Commerce
DuluthMN
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings North Shore Bank of Commerce
Duluth, MN
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Rating C
Asset Quality Index 8.30
Capitalization Index 6.90
Liquidity Index 2.10
Profitability Index 6.30
Stability Index 5.70
Company Info North Shore Bank of Commerce
Duluth, MN
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FDIC Number 8850
Phone Number (218) 722-4784
Website www.northshore.bank
Asset Quality North Shore Bank of Commerce
Duluth, MN
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1-Year Asset Growth 7.56%
5-Year Asset Growth 16.53%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 1.41%
Non-Performing Loans to Loans 0.08%
Balance Sheet North Shore Bank of Commerce
Duluth, MN
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Total Assets 565.30M
Total Deposits 478.14M
Capital and Reserves North Shore Bank of Commerce
Duluth, MN
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Capital 48.21M
Leverage Ratio 8.89
Loan Loss Reserves to Loans 0.60%
Risk-Based Capital Ratio --
Liquidity North Shore Bank of Commerce
Duluth, MN
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Hot Money Ratio 12.33%
Liquidity Ratio 15.11%
Profitability North Shore Bank of Commerce
Duluth, MN
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5-Year Return on Average Assets 1.63%
Net Income 5.70M
Net Interest Spread 4.15%
Operating Profit to Average Assets 1.40%
Overhead Efficiency Ratio 74.79%
Return on Assets 1.40%
Return on Equity 16.20%