Applications / Mortgage Analytics / Lenders / Minnesota / North Shore Bank of Commerce / Competition
North Shore Bank of Commerce
Duluth, MN · State member bank · FRS · $583 million assets · 556 loans in 2025
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556
loans originated, 2025
672
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who North Shore Bank of Commerce competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — DULUTH, MN-WI, 2025
North Shore Bank of Commerce ranks 1st of 318 lenders in Duluth, MN-WI, with $141.4M lent: 10.4% of a $1.36B market.
Duluth, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and North Shore Bank of Commerce in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO MINNESOTA, 2025
North Shore Bank of Commerce ranks 67th of 536 lenders in non-metro Minnesota, with $18.3M lent: 0.3% of a $5.28B market.
non-metro Minnesota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and North Shore Bank of Commerce in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
North Shore Bank of Commerce ranks 411th of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $1.7M lent: 0.0% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and North Shore Bank of Commerce in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO WISCONSIN, 2025
North Shore Bank of Commerce ranks 349th of 659 lenders in non-metro Wisconsin, with $1.7M lent: 0.0% of a $8.43B market.
non-metro Wisconsin is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and North Shore Bank of Commerce in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — HILTON HEAD ISLAND-BLUFFTON-PORT ROYAL, SC, 2025
North Shore Bank of Commerce ranks 328th of 489 lenders in Hilton Head Island-Bluffton-Port Royal, SC, with $655K lent: 0.0% of a $3.64B market.
Hilton Head Island-Bluffton-Port Royal, SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and North Shore Bank of Commerce in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — TAMPA-ST. PETERSBURG-CLEARWATER, FL, 2025
North Shore Bank of Commerce ranks 685th of 925 lenders in Tampa-St. Petersburg-Clearwater, FL, with $555K lent: 0.0% of a $26.60B market.
Tampa-St. Petersburg-Clearwater, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and North Shore Bank of Commerce in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL, 2025
North Shore Bank of Commerce ranks 805th of 937 lenders in Miami-Fort Lauderdale-West Palm Beach, FL, with $465K lent: 0.0% of a $48.09B market.
Miami-Fort Lauderdale-West Palm Beach, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and North Shore Bank of Commerce in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — ROCHESTER, MN, 2025
North Shore Bank of Commerce ranks 149th of 276 lenders in Rochester, MN, with $630K lent: 0.0% of a $1.45B market.
Rochester, MN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and North Shore Bank of Commerce in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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North Shore Bank of Commerce and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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