North Shore Bank
North Shore Bank reported total assets of $2.6 bn at Q2 2026, up 4.2% on a year earlier, the 478th largest of 497 banks in our US coverage. North Shore Bank uses the community bank leverage ratio framework, with a leverage ratio of 14.45%, and the uninsured share of North Shore Bank was 11.80%. Source: FDIC Call Reports.
Key takeaways
- North Shore Bank reports one of the lowest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 11.80% at , where the median of the 339 banks is 32.61% (FDIC Call Reports).
- On uninsured share of domestic deposits, North Shore Bank climbed from 495th to 463rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- The noncurrent loans to total loans of North Shore Bank, 0.10% at , places North Shore Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 0.58%; FDIC Call Reports).
What sets North Shore Bank apart
- Few banks of $1 bn to $10 bn report a higher tier 1 leverage ratio than North Shore Bank, at 14.45% in against a group median of 10.45%.
- Since , North Shore Bank has taken over one institution; the latest was Layton State Bank on .
How large is North Shore Bank?
The balance sheet of North Shore Bank at : assets $2.6 bn, deposits $2.2 bn, net loans $2.1 bn (loans equal to 94.46% of deposits). Securities make up 8.8% of total assets at North Shore Bank. Since , when North Shore Bank held $1.8 bn, its assets grew 44.0%. In the year to , deposits at North Shore Bank rose 3.7% while its total assets rose 4.2%. At , North Shore Bank employed 415 full-time equivalent staff across 44 offices, about $6.3 mn of assets per employee and $49.4 mn of deposits per office.
How much funding at North Shore Bank is uninsured?
At North Shore Bank, uninsured deposits (above the FDIC limit) made up 11.80% of domestic deposits at (+1.36 pp on a year earlier); North Shore Bank ranks 463rd of 500 on this measure. In dollars, North Shore Bank estimated $256.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | +3.7% | 481st of 499 |
| Net loans and leases | $2.1 bn | +7.1% | 435th of 500 |
| Loan-to-deposit ratio | 94.46% | +3.02 pp | 122nd of 500 |
| Net interest margin | 3.94% | +0.23 pp | 159th of 500 |
| Return on assets (ROA) | 1.02% | +0.10 pp | 377th of 500 |
| Efficiency ratio | 69.75% | -2.22 pp | 432nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.1 mn | Narrowed by $2.1 mn | |
| Noncurrent loans to total loans | 0.10% | -0.05 pp | 35th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | +0.00 pp | 126th of 500 (1 = lowest) |
US rank of North Shore Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
North Shore Bank: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.2bn
- Net loans $2.1bn
Capital and securities
North Shore Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 14.45% in . Equity capital of North Shore Bank at : $399.5 mn, or 15.3% of total assets.
On held-to-maturity securities, North Shore Bank carried an unrealized loss of $1.1 mn at , equal to 0.3% of equity capital. The loss narrowed by $2.1 mn over the year. Its deepest point: $13.7 mn in .
North Shore Bank: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 14%
North Shore Bank: unrealized securities gains and losses
- Available for sale $0
- Held to maturity -$1mn
Profitability and loan quality
For the year to , North Shore Bank earned a return on equity of 6.72%; return on assets: 1.02%. Net interest margin at North Shore Bank: 3.94%, +0.23 pp in a year. North Shore Bank net income: $13.2 mn, up 13.3% year on year. The efficiency ratio of North Shore Bank was 69.75%: about 70 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 0.10% of total loans at North Shore Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at North Shore Bank: $2.1 bn, up 7.1% in a year.
North Shore Bank: profitability
- Return on equity 6.7%
- Net interest margin 3.9%
- Return on assets 1.0%
Peer group of North Shore Bank
The peer group of North Shore Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of North Shore Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Wisconsin. Against them, North Shore Bank shows return on equity 6.72% against a peer median of 11.73% and uninsured deposit share 11.80% against a peer median of 31.37%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| FCB Banks | State nonmember bank | IL | $2.6 bn | 12.08% | 21.98% | 19.72% | |
| One Community Bank | State member bank | WI | $2.6 bn | not reported | 10.55% | 26.99% | |
| Republic Bank of Chicago | State nonmember bank | IL | $2.6 bn | not reported | 10.73% | 43.58% | |
| North Shore Bank | State-chartered stock savings bank | WI | $2.6 bn | not reported | 6.72% | 11.80% | |
| Fidelity Bank & Trust | State nonmember bank | IA | $2.6 bn | 10.67% | 12.72% | 41.01% | |
| Dedham Institution for Savings | State-chartered stock savings bank | MA | $2.6 bn | 13.93% | 7.99% | 35.75% | |
| KS StateBank | State nonmember bank | KS | $2.6 bn | not reported | 15.22% | 21.85% | |
. FDIC Call Reports.
Last eight quarters
Two years at North Shore Bank, to : assets -0.4%, deposits +4.3%, equity +11.5%. Staff 423 to 415.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.6 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Total deposits | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.2 bn |
| Bank equity capital | $358.4 mn | $364.2 mn | $370.0 mn | $375.9 mn | $379.4 mn | $386.3 mn | $392.6 mn | $399.5 mn |
| Return on equity (ROE) | 6.38% | 6.40% | 6.28% | 6.30% | 5.43% | 5.88% | 6.52% | 6.72% |
| Uninsured share of domestic deposits | 10.68% | 11.08% | 10.55% | 10.45% | 11.36% | 11.55% | 11.81% | 11.80% |
| Full-time equivalent employees | 423 | 432 | 420 | 424 | 415 | 414 | 417 | 415 |
| Number of offices | 44 | 45 | 44 | 44 | 44 | 44 | 44 | 44 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of North Shore Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Layton State Bank (FDIC certificate 6191).
Questions and identifiers
What were the total assets of North Shore Bank?
North Shore Bank reported $2.6 bn at in its Call Report. That makes North Shore Bank the 478th largest of 497 banks in our US coverage.
Is North Shore Bank profitable?
North Shore Bank reported net income of $13.2 mn for the year to ; annualized return on equity: 6.72%. So yes: North Shore Bank made a profit over these months.
When is data for North Shore Bank next updated?
Figures from North Shore Bank for are due after .
Where can I check the figures for North Shore Bank?
In the FDIC BankFind Suite record for certificate 28679, and in the Call Reports of North Shore Bank (RSSD ID 376273) at the FFIEC Central Data Repository.