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North Shore Bank

Brookfield, WI · Cert 28679

SI · FDIC · 43 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

20

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 Bank

Brookfield, WI · Cert 28679

SI · FDIC · 43 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.2BDeposits
$399.5MEquity
Loan mix
65%RE $1.3B3%C&I $0.1B32%Consumer $0.6BQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $1.9B13%Noninterest $0.3BQ3 2024Q2 2026

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 1.8% share · #11 of 43 inst. · $1.5B of $79.9B

1.4% Milwaukee
3.1% Waukesha
4.7% Racine
1.5% Brown

Executive Summary

  • Earnings: ROA of 1.02%, up 10 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.10% of loans (-5 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 14.45%, up 26 bps from a year ago.
  • Funding: loans stand at 95.10% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+12 bps YoY

Efficiency Ratio (YTD, annualized)

69.75%-222 bps YoY

Tier 1 Leverage Ratio

14.45%+26 bps YoY

NIM

4.62%Q2 ’244.82%Q2 ’254.89%Q2 ’26+4%+3%

Non-interest income vs. expense

3.00%Q2 ’243.10%Q2 ’253.09%Q2 ’26+4%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.87%0.90%0.92%0.80%0.87%0.98%1.02%+10 bps
Return on Equity6.38%6.40%6.28%6.30%5.43%5.88%6.52%6.72%+42 bps
Net Interest Margin3.47%3.45%3.50%3.62%3.62%3.60%3.72%3.74%+12 bps
Efficiency Ratio72.28%72.11%72.25%71.97%76.99%74.82%70.34%69.75%-222 bps
Non-Interest Burden2.29%2.27%2.32%2.38%2.60%2.49%2.39%2.37%-1 bps
Growth
Asset Growth (YoY)1.48%2.28%-3.25%-3.22%-2.68%-2.62%4.21%4.22%+744 bps
Loan Growth (YoY)2.22%1.46%2.11%0.21%-0.24%2.50%4.09%7.11%+690 bps
Deposit Growth (YoY)0.70%1.63%1.91%1.72%2.51%2.39%3.55%3.72%+200 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.17%0.16%0.15%0.10%0.09%0.09%0.10%-5 bps
Net Charge-Offs / Loans0.01%0.01%0.04%0.02%0.01%0.01%0.02%0.02%0 bps
Allowance / Loans0.70%0.72%0.70%0.70%0.71%0.70%0.69%0.67%-3 bps
Allowance Coverage of NPLs4.0x4.3x4.5x4.6x7.4x8.0x7.7x6.9x+2.2x
Capital
Tier 1 Leverage Ratio12.92%12.97%13.51%14.18%14.11%14.06%14.41%14.45%+26 bps
Total Risk-Based Capital12.92%12.97%13.51%14.18%14.11%14.06%14.41%14.45%+26 bps
Equity / Assets13.68%13.82%14.88%15.02%14.88%15.05%15.16%15.31%+30 bps
Liquidity & Funding
Loans / Deposits93.07%91.54%92.69%92.09%90.57%91.63%93.17%95.10%+301 bps
Liquid Assets / Assets20.81%21.96%16.63%17.25%18.67%17.99%17.04%15.58%-168 bps
CRE / Total Capitaln/an/an/an/a249%259%266%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 Bank

Brookfield, WI · Cert 28679 · Peer group: banks $1B-$10B in assets operating regionally (n=176)

SI · FDIC · 43 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.2BDeposits
$399.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks $1B-$10B in assets operating regionally (rank 7 of 176).
  • Widest gap: return on equity trails 89% of banks $1B-$10B in assets operating regionally (rank 156 of 176).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.01%

Rank 123 of 176

Net Interest Margin

3.74%

Rank 69 of 176

Efficiency Ratio

69.92%

Rank 142 of 176

Equity / Assets

15.31%

Rank 7 of 176

Non-interest income vs. expense

$18.8M$80.5MINCOMEEXPENSE
Unfavorable gap of $61.7M · efficiency ratio beats 20% of banks $1B-$10B in assets operating regionally
Bank 69.92%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.01%0.93%1.26%1.54%Beats 30%123 / 176
Return on Equity6.61%9.26%11.89%14.46%Beats 11%156 / 176
Net Interest Margin3.74%3.25%3.59%3.93%Beats 61%69 / 176
Efficiency Ratio69.92%52.79%59.55%67.66%Beats 20%142 / 176
Asset Quality
Nonperforming Loans / Loans0.10%0.30%0.64%1.32%Beats 93%13 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 70%55 / 176
Capital
Tier 1 Capital Ratio14.45%11.15%12.72%14.15%Beats 78%38 / 176
Total Risk-Based Capital Ratio14.45%11.81%13.63%15.33%Beats 64%64 / 176
Equity / Assets15.31%9.16%10.35%11.80%Beats 96%7 / 176
Liquidity & Funding
Loans / Deposits95.10%80.94%89.73%97.21%70th pctl53 / 176
Loans / Assets79.20%69.25%75.12%80.82%69th pctl55 / 176
Brokered Deposits / Depositsn/aNot reported for this institution