BlastPoint's Banking Scorecard
North Shore Bank
Designations: ✓ Community bank ✓ Mutual
Brookfield, WI
44 branches across WI · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +3.7% year over year ($2.2B on the books).
- Delinquency rate 0.10%.
- Return on assets 1.02%.
- Efficiency ratio 69.75% vs a 59.73% peer average.
- Loan-to-deposit ratio 94.46% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
North Shore Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.07% above tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 38.0% in tier
- - ROA 0.37% below tier average
- - Efficiency Ratio 10.02% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+4.2% YoY
+0.7% QoQ
|
-$184.7M |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$2.1B
+7.1% YoY
+2.5% QoQ
|
+$88.8M |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$2.2B
+3.7% YoY
+0.4% QoQ
|
-$146.5M |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.02%
+11.2% YoY
+3.6% QoQ
|
-0.37% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.94%
+6.1% YoY
+1.7% QoQ
|
+0.07% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
69.75%
-3.1% YoY
-0.8% QoQ
|
+10.02% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.10%
-35.6% YoY
+9.1% QoQ
|
-0.77% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 11.6% in tier |
| Loan-to-Deposit Ratio ? |
94.46%
+3.3% YoY
+2.1% QoQ
|
+9.42% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
12.58%
-1.8% YoY
+2.5% QoQ
|
-8.69% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.08%
-33.8% YoY
+11.0% QoQ
|
-0.60% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 12.5% in tier |
| Tier 1 Capital Ratio ? |
14.45%
+1.9% YoY
+0.2% QoQ
|
-0.40% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.36%
+0.9% YoY
+104.9% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
65% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.6%
-0.2pp YoY +0.3pp QoQ |
-8.8pp | 21.4% | 18.9% | 22.2% | 17% |
| Brokered Deposits | n/a | n/a | 9.5% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.1%
+0.3pp YoY +0.2pp QoQ |
-10.9pp | 14.0% | 10.5% | 12.5% | 10% |
| CRE |
48.0%
+1.9pp YoY -0.6pp QoQ |
-2.0pp | 50.0% | 46.4% | 41.4% | 44% |
| 1-4 Family |
16.9%
-0.5pp YoY +0.1pp QoQ |
-9.6pp | 26.4% | 32.3% | 31.3% | 36% |
| Consumer |
32.3%
-1.7pp YoY +0.2pp QoQ |
+27.6pp | 4.7% | 2.6% | 5.0% | 97% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
14.4%
+0.3pp YoY 0.0pp QoQ |
+3.1pp | 11.3% | 12.6% | 12.6% | 91% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
415
-9 (-2.1%) YoY -2 (-0.5%) QoQ |
+101 | 313 | 134 | 482 | 79% |
| Assets per Employee ($) |
$6.3M
+6.5% YoY +1.2% QoQ |
-$4.2M | $10.5M | $8.2M | $8.8M | 15% |
| Branch Count |
44
0 YoY 0 QoQ |
+24 | 20 | 9 | 18 | 92% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.9% | 1.0% | 10% |
| Allowance Coverage |
6.89x
+48.1% YoY -10.2% QoQ |
-11.82x | 18.71x | 56.89x | 20.23x | 82% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.0% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.7%
+0.4pp YoY +0.2pp QoQ |
-5.9pp | 12.6% | 11.8% | 11.6% | 14% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.9% | 1.8% | 1.7% | 12% |
| Net Income ($, YTD) |
$13.2M
+13.3% YoY — QoQ |
-$6.0M | $19.2M | $7.9M | $40.4M | 53% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.