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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