Side-by-side · Q2 2026 data
Baybank vs Northern Interstate Bank, N. A.
Metric by metric
| Measure | Baybank | Northern Interstate Bank, N. A. |
|---|---|---|
| TellerScore | 56 | 65 (stronger) |
| Capital cushion | 57 (stronger) | 44 |
| Loan quality | 33 | 75 (stronger) |
| Earnings | 69 (stronger) | 55 |
| Funding & liquidity | 63 | 89 (stronger) |
| Problem-loan coverage | 71 | 90 (stronger) |
| Peer percentile | 13th | 29th |
| Total assets | $173.4M | $193.5M |
| Deposits / shares | $145.8M | $170.8M |
| Capital ratio | 10.71% (stronger) | 9.36% |
| Problem loans | 2.02% | 0.75% (stronger) |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 1.23% (stronger) | 0.88% |
| Loans ÷ deposits | 92.4% | 47.4% (stronger) |
| Uninsured deposits | 19.6% (stronger) | 25.1% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Interstate Bank, N. A. has the higher TellerScore (65 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 3 and Northern Interstate Bank, N. A. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.