BlastPoint's Banking Scorecard
North Shore Bank
Designations: ✓ Community bank ✓ Mutual
Brookfield, WI
44 branches across WI · IL
North Shore Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.1% in tier
- - ROA 0.38% below tier average
- - Efficiency Ratio 9.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+4.2% YoY
+0.9% QoQ
|
-$225.1M |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$2.0B
+4.1% YoY
+2.6% QoQ
|
+$36.6M |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$2.2B
+3.5% YoY
+0.9% QoQ
|
-$180.3M |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.98%
+9.4% YoY
+13.8% QoQ
|
-0.38% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.88%
+5.6% YoY
+1.2% QoQ
|
+0.06% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
70.34%
-2.6% YoY
-6.0% QoQ
|
+9.28% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.09%
-42.8% YoY
+2.9% QoQ
|
-0.80% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Top 10.8% in tier |
| Loan-to-Deposit Ratio ? |
92.53%
+0.5% YoY
+1.7% QoQ
|
+8.33% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
12.27%
-1.5% YoY
+7.0% QoQ
|
-9.02% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.07%
-42.8% YoY
+4.6% QoQ
|
-0.60% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 10.2% in tier |
| Tier 1 Capital Ratio ? |
14.41%
+6.7% YoY
+2.5% QoQ
|
-0.75% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.18%
+1.1% YoY
-75.5% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
63% |
Get Full Access to North Shore Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.