NORTH SHORE BANK, A CO-OPERATIVE BANK

PEABODY, MA | Large | Est. Jan. 1, 1888, midnight | FDIC #26484 | RSSD #161273 | FED
Latest Report: 2025-12-31

NORTH SHORE BANK, A CO-OPERATIVE BANK is aln large FDIC-insured commercial bank headquartered in PEABODY, MA, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $3.2B and total deposits of $2.6B. Profitability stands at 1.42% ROA and 9.52% ROE, with a net interest margin of 4.31%. The bank's CET1 capital ratio is 15.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 2.65%. FDIC Certificate #26484.

Assets

$3.2B

Deposits

$2.6B

Loans

$2.5B

Equity

$478M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 9.52%
Net Interest Margin (NIM) 4.31%
Yield on Assets 5.97%
Cost of Funds 2.25%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.65%
NPA Ratio 0.40%
ACL / Loans 0.49%

Capital & Liquidity

CET1 Ratio 15.21%
Tier 1 Capital 15.21%
Total Capital Ratio 15.69%
Leverage Ratio 11.40%
Loan-to-Deposit 94.36%

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