Side-by-side · Q2 2026 data
North State Bank vs First Carolina Bank
Metric by metric
| Measure | North State Bank | First Carolina Bank |
|---|---|---|
| TellerScore | 61 | 66 (stronger) |
| Capital cushion | 35 | 64 (stronger) |
| Loan quality | 94 (stronger) | 73 |
| Earnings | 52 (stronger) | 51 |
| Funding & liquidity | 49 | 62 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 24th | 40th |
| Total assets | $1.5B | $3.4B |
| Deposits / shares | $1.2B | $2.9B |
| Capital ratio | 8.50% | 11.36% (stronger) |
| Problem loans | 0.17% (stronger) | 0.81% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.79% (stronger) | 0.78% |
| Loans ÷ deposits | 94.2% (stronger) | 94.8% |
| Uninsured deposits | 30.9% | 17.7% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 5.6% |
First Carolina Bank has the higher TellerScore (66 vs 61). On the 7 directional measures above (where higher or lower is clearly better), North State Bank leads on 4 and First Carolina Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.