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North Shore Trust and Savings

Waukegan, IL · Cert 27683 · NSTS Bcorp Inc.

State savings bank · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

35

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

North Shore Trust and Savings

Waukegan, IL · Cert 27683 · NSTS Bcorp Inc.

State savings bank · OCC · 3 branches

Q2 2026

$270.3MAssets
$129.0MLoans
$201.3MDeposits
$62.3MEquity
Loan mix
99%RE $129.6M0%C&I $0.5M0%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $172.3M14%Noninterest $29.0MQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #96 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 0.90%, up 88 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 1.87% of loans (+166 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 25.24%, up 204 bps from a year ago.
  • Funding: loans stand at 64.09% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.90%+88 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+5 bps YoY

Efficiency Ratio (YTD, annualized)

79.06%-1,982 bps YoY

Tier 1 Leverage Ratio

25.24%+204 bps YoY

NIM

3.75%Q2 ’243.94%Q2 ’253.76%Q2 ’260%+2%

Non-interest income vs. expense

3.11%Q2 ’243.26%Q2 ’253.32%Q2 ’26+2%-31%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.15%-0.09%0.02%0.17%0.29%0.33%0.90%+88 bps
Return on Equity0.15%0.71%-0.46%0.11%0.81%1.39%1.46%3.97%+385 bps
Net Interest Margin2.61%2.52%2.57%2.58%2.71%2.70%2.72%2.62%+5 bps
Efficiency Ratio96.82%94.74%104.81%98.88%95.51%93.56%92.09%79.06%-1,982 bps
Non-Interest Burden2.51%2.35%2.71%2.54%2.55%2.48%2.43%1.74%-80 bps
Growth
Asset Growth (YoY)6.70%8.57%6.28%3.81%0.55%-4.35%-4.38%-2.16%-597 bps
Loan Growth (YoY)27.91%8.67%4.43%0.71%-1.38%1.09%-2.60%-6.84%-755 bps
Deposit Growth (YoY)6.58%11.00%7.27%6.17%2.35%-5.32%-5.15%-4.85%-1,102 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.00%0.20%0.21%0.21%0.21%0.22%1.87%+166 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.10%-0.07%0.00%0.00%0 bps
Allowance / Loans0.92%0.90%0.86%0.87%0.92%0.84%0.84%0.85%-2 bps
Allowance Coverage of NPLs4.8xn/a4.4x4.2x4.4x4.0x3.9x0.5x-3.7x
Capital
Tier 1 Leverage Ratio23.96%23.53%23.11%23.20%24.11%24.32%24.93%25.24%+204 bps
Total Risk-Based Capital23.96%23.53%23.11%23.20%24.11%24.32%24.93%25.24%+204 bps
Equity / Assets21.28%20.09%20.25%21.03%22.03%22.72%22.51%23.06%+203 bps
Liquidity & Funding
Loans / Deposits69.45%62.99%62.64%65.46%66.92%67.25%64.32%64.09%-137 bps
Liquid Assets / Assets13.06%19.27%20.50%17.37%12.77%12.76%16.03%17.45%+8 bps
CRE / Total Capitaln/an/an/an/a16.04%14.87%15.11%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

North Shore Trust and Savings

Waukegan, IL · Cert 27683 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · NSTS Bcorp Inc.

State savings bank · OCC · 3 branches

Q2 2026

$270.3MAssets
$129.0MLoans
$201.3MDeposits
$62.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: net interest margin trails 86% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 49 of 57).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.90%

Rank 27 of 57

Net Interest Margin

2.62%

Rank 49 of 57

Efficiency Ratio

79.06%

Rank 38 of 57

Equity / Assets

23.06%

Rank 6 of 57

Non-interest income vs. expense

$4.3M$9.0MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 35% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 79.06%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.90%0.51%0.84%1.19%Beats 53%27 / 57
Return on Equity3.90%3.13%7.76%11.40%Beats 32%39 / 57
Net Interest Margin2.62%3.16%3.63%4.08%Beats 14%49 / 57
Efficiency Ratio79.06%59.57%69.70%81.06%Beats 35%38 / 57
Asset Quality
Nonperforming Loans / Loans1.87%0.06%0.34%1.78%Beats 21%45 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio25.24%12.24%16.06%19.69%Beats 88%7 / 57
Total Risk-Based Capital Ratio25.24%12.54%16.50%20.95%Beats 84%9 / 57
Equity / Assets23.06%9.37%11.56%15.00%Beats 89%6 / 57
Liquidity & Funding
Loans / Deposits64.09%66.29%85.59%95.16%21st pctl45 / 57
Loans / Assets47.73%57.07%71.07%78.13%14th pctl49 / 57
Brokered Deposits / Depositsn/aNot reported for this institution