Bank Comparison
North Shore Bank vs National Exchange Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | North Shore Bank | National Exchange Bank and Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.41% | 19.53% |
| Equity / Assets | 15.16% | 18.94% |
Profitability
| Metric | North Shore Bank | National Exchange Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 0.99% | 1.65% |
| Return on Equity (ROE) | 6.52% | 8.84% |
| Net Interest Margin (NIM) | 3.87% | 3.76% |
| Yield on Earning Assets | 5.13% | 5.13% |
| Cost of Funds | 1.43% | 1.69% |
Asset quality
| Metric | North Shore Bank | National Exchange Bank and Trust |
|---|---|---|
| Texas Ratio | 0.48% | 2.81% |
| Non-Performing Loan Ratio | 0.09% | 1.02% |
| Non-Performing Asset Ratio | 0.07% | 0.58% |
| Net Charge-Off Ratio | 0.02% | -0.03% |
| ACL / Loans | 0.69% | 3.10% |
Balance sheet
| Metric | North Shore Bank | National Exchange Bank and Trust |
|---|---|---|
| Total Assets | $2,590M | $2,933M |
| Total Deposits | $2,163M | $2,317M |
| Total Loans | $2,015M | $1,661M |
| Total Equity | $392,631K | $555,430K |
| Net Income (quarter) | $6,348K | $12,266K |
Liquidity & funding
| Metric | North Shore Bank | National Exchange Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 93.17% | 71.72% |
| Core Deposit Ratio | 95.99% | 97.42% |
| Uninsured Deposit Ratio | 11.81% | 42.05% |
Identity
| Metric | North Shore Bank | National Exchange Bank and Trust |
|---|---|---|
| Headquarters City | BROOKFIELD | FOND DU LAC |
| Headquarters State | WI | WI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 13879 |
| Regulator | FDIC | OCC |
| Domestic Branches | 44 | 34 |
| Employees (FTE) | 417 | 364 |
| Established | Jan. 1, 1923, midnight | Dec. 20, 1933, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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