North Shore Bank
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Data as of · sourced from FFIEC call reports. How we update
North Shore Bank is an FDIC-insured savings bank headquartered in Brookfield, WI, established in 1923 (FDIC certificate 28679), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.61B, up 4.2% from Q2 2025, the 11th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.45% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28679
- Headquarters
- Brookfield, WI
- Established
- 1923
- Total assets, Q2 2026
- $2.61B
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 14.45%
- Domestic offices
- 44 FDIC institution directory, current count
- Routing number
- 275071356
- Latest call report
- Q2 2026, FFIEC 041 · North Shore Bank call report
- Asset rank in state
- 11th of 153 in Wisconsin
North Shore Bank carries far more capital than most banks of its size. Its balance sheet stood at $2.6 billion at June 30, 2026, up 4.2% from a year earlier; it is based in Brookfield, Wisconsin. It funds 14.45% of its assets with Tier 1 capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also holds 12% of its deposits (12%) above the FDIC insurance limit, about a third the median of 30.9% for banks its size.
Net income for the quarter rose 16% from a year earlier, to $6.9 million. Over the same year, loans grew 7.1% and deposits grew 3.7%. Profitability lags: it returns 6.9% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, North Shore Bank reported a return on assets of 1.05%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.52%. The figures come from its call report filed with the FFIEC.
North Shore Bank ranks as the 11th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $2.61B, loans rose 2.5% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by multifamily loans, at 40.3% of total loans, followed by other consumer loans at 32.0%. The FDIC Summary of Deposits lists 43 offices for it, in 31 cities across 2 states; its Brookfield 3 offices book 14% of its branch deposits. By the capital ratios in its Q2 2026 call report, North Shore Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 15700 W Bluemound Rd, Brookfield, WI 53005
- County
- Waukesha
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1923
- Former names
- North Shore Bank, FSB (1990-2022); North Shore Bank, SSB (1989-1990)
- Domestic offices
- 44 FDIC institution directory, current count
- Employees (FTE)
- 415
- Domestic deposits
- $2.17B
- Allowance for credit losses
- $13.9M
- Net charge-offs (YTD)
- $182K
- Average total assets
- $2.60B
- Average total loans
- $2.03B
- Average interest-bearing deposits
- $1.75B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28679
- Fed RSSD
- 376273
- Website
- www.northshorebank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, North Shore Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, North Shore Bank's total assets ran between $2.49B (Q1 2025) and $2.64B (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.61B total assets against $2.50B; $2.21B total liabilities against $2.13B.
$2.05B net loans and leases against $1.92B; $2.17B total deposits against $2.09B.
$230.8M securities against $233.6M; $201.2M cash and balances due against $230.2M.
$32.4M total interest income against $29.9M; $7.8M total interest expense against $7.6M.
$24.6M net interest income against $22.3M.
$4.8M total noninterest income against $4.6M; $20.4M total noninterest expense against $19.3M.
$150K provision for credit losses against $0.
$6.9M net income against $5.9M.
1.05% return on assets against 0.95%; 3.96% net interest margin against 3.77%.
14.45% tier 1 leverage ratio against 14.18%.
Inside the full North Shore Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
North Shore Bank rankings
Its closest position to the top of a national ranking is 476 of 4,196, for total assets; its furthest is 923 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q3 2025) to 1.07% (Q4 2025) and its net interest margin ran from 3.61% (Q3 2024) to 3.96% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.45% | 1.05% | 0.10% | 0.52% | 3.96% |
| Q1 2026 | 14.41% | 0.99% | 0.09% | 0.48% | 3.87% |
| Q4 2025 | 14.06% | 1.07% | 0.09% | 0.46% | 3.93% |
| Q3 2025 | 14.11% | 0.56% | 0.10% | 0.50% | 3.87% |
| Q2 2025 | 14.18% | 0.95% | 0.15% | 0.81% | 3.77% |
| Q1 2025 | 13.51% | 0.90% | 0.16% | 0.85% | 3.63% |
| Q4 2024 | 12.97% | 0.89% | 0.17% | 0.91% | 3.64% |
| Q3 2024 | 12.92% | 0.87% | 0.17% | 0.97% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 43 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Shore Bank (main office) | Brookfield , WI | 53005 | $215.4M |
| Shorewood Branch | Shorewood , WI | 53211 | $102.7M |
| 15830 W Capitol Dr Branch | Brookfield , WI | 53005 | $89.7M |
| 120 W Wisconsin Ave Branch | Pewaukee , WI | 53072 | $82.2M |
| 225 N Fifth Ave Branch | Sturgeon Bay , WI | 54235 | $78.8M |
| 5101 S 76th St Branch | Greendale , WI | 53129 | $77.9M |
| New Berlin Branch | New Berlin , WI | 53151 | $75.5M |
| 4923 Washington Ave Branch | Racine , WI | 53406 | $75.4M |
| Muskego Branch | Muskego , WI | 53150 | $70.1M |
| Fox Point Branch | Fox Point , WI | 53217 | $65.9M |
| 8706 W North Ave Branch | Wauwatosa , WI | 53226 | $60.6M |
| Franklin Branch | Franklin , WI | 53132 | $59.0M |
| 9131 W Oklahoma Ave Branch | Milwaukee , WI | 53227 | $54.7M |
| 1100 W Northland Avenue Branch | Appleton , WI | 54914 | $53.1M |
| 4230 West Oklahoma Avenue Branch | Milwaukee , WI | 53215 | $52.4M |
| Burlington Branch | Burlington , WI | 53105 | $50.3M |
| North Shore Bank Branch | Mequon , WI | 53092 | $50.2M |
| North Shore Bank Branch | Oak Creek , WI | 53154 | $49.1M |
| Sussex Branch | Sussex , WI | 53089 | $46.5M |
| Grafton Bra Nch | Grafton , WI | 53024 | $45.9M |
| Union Grove Branch | Union Grove , WI | 53182 | $45.2M |
| Kenosha Main Branch | Kenosha , WI | 53144 | $45.0M |
| 165 N Augustine St Branch | Pulaski , WI | 54162 | $44.3M |
| 3911 N Main St Branch | Racine , WI | 53402 | $40.6M |
| West Allis Branch | West Allis , WI | 53227 | $39.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 29, 2016 | Structure Change | Acquired Layton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2013 | Structure Change | Acquired Banks of Wisconsin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 18, 2010 | Structure Change | Acquired Maritime Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 17, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 30, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 2005 | Structure Change | Acquired Illinois State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2000 | Structure Change | Acquired Marquette Savings Bank, S.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 28, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Structure Change | Acquired Badger Bank, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1988 | Structure Change | Acquired Sunrise Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1984 | Structure Change | Acquired Southeastern Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in WI, rank 14 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about North Shore Bank
What are North Shore Bank's total assets?
As of the Q2 2026 filing, North Shore Bank reported total assets of $2.61 billion in its FFIEC call report.
Where is North Shore Bank headquartered?
It is headquartered in Brookfield, WI, United States.
When was North Shore Bank founded?
It was established in 1923, per the FDIC institution directory.
Is North Shore Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Shore Bank?
North Shore Bank's primary federal regulator is the FDIC.
How many branches does North Shore Bank operate?
It operates 44 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Shore Bank's Texas Ratio?
Its Texas Ratio is 0.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was North Shore Bank previously called?
The charter now named North Shore Bank has also operated as North Shore Bank, FSB (1990-2022), North Shore Bank, SSB (1989-1990), per FDIC structure-change records.
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