NORTH SHORE TRUST AND SAVINGS

WAUKEGAN, IL | Small | Est. Jan. 1, 1921, midnight | FDIC #27683 | RSSD #775773 | OCC
Latest Report: 2025-12-31

NORTH SHORE TRUST AND SAVINGS is asn small FDIC-insured commercial bank headquartered in WAUKEGAN, IL, established in Jan. 1, 1921, midnight. As of 2025-12-31, the bank reported total assets of $267M and total deposits of $200M. Profitability stands at 0.69% ROA and 3.07% ROE, with a net interest margin of 2.99%. The bank's CET1 capital ratio is 22.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 0.46%. FDIC Certificate #27683.

Assets

$267M

Deposits

$200M

Loans

$134M

Equity

$61M

Profitability

Return on Assets (ROA) 0.69%
Return on Equity (ROE) 3.07%
Net Interest Margin (NIM) 2.99%
Yield on Assets 4.34%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio -0.07%
Texas Ratio 0.46%
NPA Ratio 0.11%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 22.69%
Tier 1 Capital 22.69%
Total Capital Ratio 23.83%
Leverage Ratio 24.32%
Loan-to-Deposit 67.25%

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