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North State Bank
Raleigh, NC · FDIC Certificate #35519 · Chartered 06/0
Total assets
$1.46B
Total deposits
$1.23B
Total equity
$122.95M
Net loans
$1.16B
Branches (offices)
7
Net income (YTD)
$5.67M
Rank: #760 of 4,213 U.S. banks by assets · #12 of 38 in North Carolina. Assets changed 5.8% and deposits 6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.79% |
| Return on equity | 9.28% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 8.41% |
| Tier 1 leverage ratio | 8.50% |
| Uninsured deposits (share of deposits) | 30.9% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 94.2% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.03B | 89.0% | |
| Commercial & industrial | $131.75M | 11.4% | |
| Consumer / individual | $2.89M | 0.3% | |
| Construction & development | $127.47M | 11.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.49B | $1.38B | $6.86M | $99.04M |
| Jun 2023 | $1.34B | $1.22B | $8.03M | $107.15M |
| Jun 2024 | $1.42B | $1.19B | $5.23M | $111.69M |
| Jun 2025 | $1.38B | $1.15B | $5.27M | $117.91M |
| Jun 2026 | $1.46B | $1.23B | $5.67M | $122.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $1.23B | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.23B.
Similar-sized banks
Central Bank Illinois ($1.46B) · Ameriserv Financial Bank ($1.46B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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