Side-by-side · Q2 2026 data
Northern State Bank vs Bay Bank
Metric by metric
| Measure | Northern State Bank | Bay Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 59 |
| Capital cushion | 49 | 62 (stronger) |
| Loan quality | 93 (stronger) | 32 |
| Earnings | 86 (stronger) | 65 |
| Funding & liquidity | 89 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 72nd | 17th |
| Total assets | $330.8M | $315.7M |
| Deposits / shares | $297.1M | $264.9M |
| Capital ratio | 9.92% | 11.19% (stronger) |
| Problem loans | 0.22% (stronger) | 2.03% |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 1.66% (stronger) | 1.12% |
| Loans ÷ deposits | 52.1% | 49.6% (stronger) |
| Uninsured deposits | 25.1% (stronger) | 37.0% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 34.4% |
Northern State Bank has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank leads on 5 and Bay Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.