Side-by-side · Q2 2026 data
Northern Bank & Trust Company vs BayCoast Bank
Metric by metric
| Measure | Northern Bank & Trust Company | BayCoast Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 46 |
| Capital cushion | 96 (stronger) | 33 |
| Loan quality | 31 | 52 (stronger) |
| Earnings | 96 (stronger) | 40 |
| Funding & liquidity | 40 | 50 (stronger) |
| Problem-loan coverage | 75 | 77 (stronger) |
| Peer percentile | 53rd | 5th |
| Total assets | $3.4B | $2.9B |
| Deposits / shares | $2.8B | $2.5B |
| Capital ratio | 14.55% (stronger) | 8.29% |
| Problem loans | 2.07% | 1.45% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.12% |
| Return on assets | 1.90% (stronger) | 0.51% |
| Loans ÷ deposits | 100.7% | 90.6% (stronger) |
| Uninsured deposits | 33.0% | 32.8% (stronger) |
| Offices | 12 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 13.1% |
Northern Bank & Trust Company has the higher TellerScore (69 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Northern Bank & Trust Company leads on 4 and BayCoast Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.