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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 $0.6BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $1.9B13%Noninterest $0.3BQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.80%0.87%0.98%1.02%+10 bps
Return on Equity6.30%5.43%5.88%6.52%6.72%+42 bps
Net Interest Margin3.62%3.62%3.60%3.72%3.74%+12 bps
Efficiency Ratio71.97%76.99%74.82%70.34%69.75%-222 bps
Non-Interest Burden2.38%2.60%2.49%2.39%2.37%-1 bps
Growth
Asset Growth (YoY)-3.22%-2.68%-2.62%4.21%4.22%+744 bps
Loan Growth (YoY)0.21%-0.24%2.50%4.09%7.11%+690 bps
Deposit Growth (YoY)1.72%2.51%2.39%3.55%3.72%+200 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.10%0.09%0.09%0.10%-5 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.02%0.02%0 bps
Allowance / Loans0.70%0.71%0.70%0.69%0.67%-3 bps
Allowance Coverage of NPLs4.6x7.4x8.0x7.7x6.9x+2.2x
Capital
Tier 1 Leverage Ratio14.18%14.11%14.06%14.41%14.45%+26 bps
Total Risk-Based Capital14.18%14.11%14.06%14.41%14.45%+26 bps
Equity / Assets15.02%14.88%15.05%15.16%15.31%+30 bps
Liquidity & Funding
Loans / Deposits92.09%90.57%91.63%93.17%95.10%+301 bps
Liquid Assets / Assets17.25%18.67%17.99%17.04%15.58%-168 bps
CRE / Total Capitaln/a249%259%266%n/an/a