BlastPoint's Banking Scorecard
North Shore Trust and Savings
Waukegan, IL
3 branches across IL
North Shore Trust and Savings has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.8% in tier
- - Liquidity Overhang: Bottom 36.0% in tier
- - Deposit Outflow: Bottom 37.8% in tier
- - Return on Assets 0.94% below tier average
- - Efficiency Ratio 26.81% above tier average
- - Net Interest Margin 0.98% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$270.4M
-4.4% YoY
+1.4% QoQ
|
-$115.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
41% |
| Total Loans ? |
$129.4M
-2.6% YoY
-2.8% QoQ
|
-$126.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$202.9M
-5.1% YoY
+1.7% QoQ
|
-$125.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
0.33%
+457.1% YoY
+12.4% QoQ
|
-0.94% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.8% in tier |
| Net Interest Margin ? |
2.95%
+6.0% YoY
+1.3% QoQ
|
-0.98% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio ? |
92.09%
-12.1% YoY
-1.6% QoQ
|
+26.81% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate ? |
0.22%
+10.5% YoY
+2.5% QoQ
|
-0.67% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
63.78%
+2.7% YoY
-4.4% QoQ
|
-12.86% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
14.48%
+6.3% YoY
-0.9% QoQ
|
-7.54% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.10%
+12.5% YoY
-1.7% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
24.93%
+7.9% YoY
+2.5% QoQ
|
+9.10% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 6.6% in tier |
| Non-Interest Income / Assets ? |
0.24%
+114.1% YoY
-70.8% QoQ
|
-0.04% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 9.6% in tier |
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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 (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.