Side-by-side · Q2 2026 data
First Independent Bank vs North Shore Bank of Commerce
Metric by metric
| Measure | First Independent Bank | North Shore Bank of Commerce |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 49 (stronger) | 37 |
| Loan quality | 95 | 95 |
| Earnings | 82 | 82 |
| Funding & liquidity | 76 (stronger) | 70 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 64th | 47th |
| Total assets | $632.3M | $598.5M |
| Deposits / shares | $533.0M | $516.5M |
| Capital ratio | 9.87% (stronger) | 8.74% |
| Problem loans | 0.14% (stronger) | 0.14% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.55% | 1.56% (stronger) |
| Loans ÷ deposits | 82.0% (stronger) | 90.7% |
| Uninsured deposits | 16.8% | 13.3% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.2% |
First Independent Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 4 and North Shore Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.