NORTH SHORE TRUST AND SAVINGS
NORTH SHORE TRUST AND SAVINGS is an FDIC-insured commercial bank headquartered in WAUKEGAN, IL, established in 1921. As of , 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 2.82%. CET1 capital ratio: 22.72%, well above regulatory minimums. NPL ratio: 0.21% · Texas Ratio: 0.46%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
North Shore Trust and Savings rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 22.72% | 0.69% | 0.21% | 0.46% | 2.82% |
| 2025-09-30 | 22.03% | 0.46% | 0.21% | 0.47% | 2.89% |
| 2025-06-30 | 21.03% | 0.14% | 0.21% | 0.48% | 2.68% |
| 2025-03-31 | 20.25% | -0.09% | 0.20% | 0.45% | 2.66% |
| 2024-12-31 | 20.09% | 0.49% | 0.00% | 0.00% | 2.57% |
| 2024-09-30 | 21.28% | 0.10% | 0.00% | 0.00% | 2.78% |
| 2024-06-30 | 20.57% | -0.05% | 0.00% | 0.00% | 2.72% |
| 2024-03-31 | 20.57% | 0.04% | 0.18% | 0.42% | 2.64% |
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Frequently asked about NORTH SHORE TRUST AND SAVINGS
What are North Shore Trust and Savings's total assets?
As of the Q4 2025 filing, North Shore Trust and Savings reported total assets of $266.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is North Shore Trust and Savings headquartered?
North Shore Trust and Savings is headquartered in WAUKEGAN, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was North Shore Trust and Savings founded?
North Shore Trust and Savings was established in 1921, per the FDIC institution directory.
Is North Shore Trust and Savings FDIC-insured?
Yes. North Shore Trust and Savings is an FDIC-insured commercial bank (FDIC Certificate #27683). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Shore Trust and Savings?
North Shore Trust and Savings's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is North Shore Trust and Savings's CET1 capital ratio?
North Shore Trust and Savings reported a Common Equity Tier 1 (CET1) capital ratio of 22.72% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does North Shore Trust and Savings operate?
North Shore Trust and Savings operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is North Shore Trust and Savings's Texas Ratio?
North Shore Trust and Savings's Texas Ratio is 0.46% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.