Side-by-side · Q2 2026 data
Northern Interstate Bank, N. A. vs Bay Port State Bank
Metric by metric
| Measure | Northern Interstate Bank, N. A. | Bay Port State Bank |
|---|---|---|
| TellerScore | 65 | 71 (stronger) |
| Capital cushion | 44 | 59 (stronger) |
| Loan quality | 75 | 78 (stronger) |
| Earnings | 55 | 73 (stronger) |
| Funding & liquidity | 89 (stronger) | 64 |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 29th | 47th |
| Total assets | $193.5M | $153.4M |
| Deposits / shares | $170.8M | $136.1M |
| Capital ratio | 9.36% | 10.89% (stronger) |
| Problem loans | 0.75% | 0.65% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.18% |
| Return on assets | 0.88% | 1.34% (stronger) |
| Loans ÷ deposits | 47.4% (stronger) | 95.8% |
| Uninsured deposits | 25.1% | 10.6% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Port State Bank has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Northern Interstate Bank, N. A. leads on 2 and Bay Port State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.