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North Shore Trust and Savings

$100M-$1B Specialty: Mortgage IL FDIC cert 27683

Waukegan, IL

3 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -4.8% year over year ($201.3M on the books).
  • Delinquency rate 1.89%.
  • Return on assets 0.90%.
  • Efficiency ratio 79.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.54% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

North Shore Trust and Savings has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 26.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 35.8% in tier
  • - Deposit Outflow: Bottom 37.8% in tier
  • - Net Interest Margin 1.13% below tier average
  • - ROA 0.42% below tier average
  • - Efficiency Ratio 14.58% above tier average
  • - Delinquency Rate 0.97% above tier average
Get updates when North Shore Trust and Savings releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $270.3M
-2.2% YoY -0.1% QoQ
-$116.3M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $127.9M
-6.8% YoY -1.2% QoQ
-$130.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $201.3M
-4.8% YoY -0.8% QoQ
-$125.5M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 0.90%
+173.1% QoQ
-0.42% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 2.86%
+1.8% YoY -3.0% QoQ
-1.13% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 6.8% in tier
Efficiency Ratio ? 79.06%
-20.0% YoY -14.2% QoQ
+14.58% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 14.5% in tier
Delinquency Rate ? 1.89%
+801.6% YoY +762.0% QoQ
+0.97% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 13.9% in tier
Loan-to-Deposit Ratio ? 63.54%
-2.1% YoY -0.4% QoQ
-14.41% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 14.41%
+7.0% YoY -0.5% QoQ
-7.62% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.89%
+758.6% YoY +752.4% QoQ
+0.22% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
23%
Tier 1 Capital Ratio ? 25.24%
+8.8% YoY +1.2% QoQ
+9.33% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 6.7% in tier
Non-Interest Income / Assets ? 0.79%
+115.5% YoY +226.7% QoQ
+0.22% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 4.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 14.4%
+0.9pp YoY
-0.1pp QoQ
 -7.7pp 22.1% 20.1% 22.2% 22%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 0.5%
+0.2pp YoY
+0.1pp QoQ
 -11.0pp 11.6% 14.7% 12.5% 2%
CRE 7.3%
+0.1pp YoY
-0.5pp QoQ
 -32.2pp 39.5% 37.9% 41.4% 2%
1-4 Family 92.8%
-0.3pp YoY
+0.4pp QoQ
 +60.1pp 32.6% 28.3% 31.3% 98%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 5.4% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 25.2%
+2.0pp YoY
+0.3pp QoQ
 +13.1pp 12.2% 12.2% 12.6% 98%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 36
-16 (-30.8%) YoY
-13 (-26.5%) QoQ
 -23 58 228 482 36%
Assets per Employee ($) $7.5M
+41.3% YoY
+36.0% QoQ
 -$11K $7.5M $8.3M $8.8M 61%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.9%
+1.7pp YoY
+1.7pp QoQ
 +0.9pp 0.9% 1.1% 1.0% 86%
Allowance Coverage 0.45x
-89.1% YoY
-88.3% QoQ
 -23.70x 24.15x 5.62x 20.23x 8%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 4.0%
+3.9pp YoY
+2.5pp QoQ
 -8.2pp 12.2% 10.5% 11.6% 10%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 21%
Net Income ($, YTD) $1.2M
+3696.9% YoY
— QoQ
 -$1.3M $2.6M $11.7M $40.4M 33%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#173 of 661 • Top 26.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.79%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.90%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#267 of 742 • Bottom 35.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 25.24%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 63.54%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Deposit Outflow

decline
#203 of 535 • Bottom 37.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

129
Non-Interest Income / Assets
revenue_mix
Value: 0.79%
Peer Median: 0.57%
#129 of 2643 Top 4.8% in $100M-$1B
177
Tier 1 Capital Ratio
capital
Value: 25.24%
Peer Median: 15.91%
#177 of 2643 Top 6.7% in $100M-$1B
569
Loan-to-Deposit Ratio
liquidity
Value: 63.54%
Peer Median: 77.95%
#569 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (5 metrics)

2465
Net Interest Margin
profitability
Value: 2.86%
Peer Median: 3.99%
#2465 of 2643 Bottom 6.8% in $100M-$1B
2269
Delinquency Rate
credit_quality
Value: 1.89%
Peer Median: 0.92%
#2269 of 2633 Bottom 13.9% in $100M-$1B
2260
Efficiency Ratio
profitability
Value: 79.06%
Peer Median: 64.48%
#2260 of 2643 Bottom 14.5% in $100M-$1B
2065
Non-Interest-Bearing Deposit Share
funding
Value: 14.41%
Peer Median: 22.03%
#2065 of 2643 Bottom 21.9% in $100M-$1B
2036
Nonperforming Asset Ratio
credit_quality
Value: 0.89%
Peer Median: 0.67%
#2036 of 2643 Bottom 23.0% in $100M-$1B
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