North Shore Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.93 percentage points higher than in Q1 2026, at 95.10%. Within Wisconsin, North Shore Bank is 51st of 153 on loan-to-deposit ratio, 95.10% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. North Shore Bank sits 6.90 points higher, at 95.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.07B |
| Net loans and leases | $2.05B |
| Loans held for sale | $1.9M |
| Loans to total assets | 79.20% |
| Loan-to-deposit ratio | 95.10% |
| Net loans to equity capital | 5.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.25% |
| Multifamily (5+ residential) | 40.26% |
| Commercial and industrial | 3.10% |
| Consumer | 32.05% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 240.71% |
| Construction concentration (Tier 1 capital + allowance) | 11.85% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.53% |
| Interest income on loans | $28.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.90B | $2.07B | 4.99% | 3.52% | 31.65% |
| Q4 2023 | $1.89B | $2.06B | 4.97% | 3.34% | 31.05% |
| Q1 2024 | $1.90B | $2.05B | 4.92% | 3.28% | 31.43% |
| Q2 2024 | $1.92B | $2.06B | 4.88% | 3.39% | 32.98% |
| Q3 2024 | $1.94B | $2.08B | 5.27% | 3.11% | 33.31% |
| Q4 2024 | $1.92B | $2.09B | 5.33% | 3.06% | 32.76% |
| Q1 2025 | $1.94B | $2.09B | 5.54% | 3.05% | 32.47% |
| Q2 2025 | $1.93B | $2.09B | 5.43% | 2.80% | 33.76% |
| Q3 2025 | $1.93B | $2.14B | 5.27% | 3.10% | 34.00% |
| Q4 2025 | $1.96B | $2.14B | 5.16% | 2.86% | 32.64% |
| Q1 2026 | $2.02B | $2.16B | 5.55% | 2.92% | 31.81% |
| Q2 2026 | $2.07B | $2.17B | 5.25% | 3.10% | 32.05% |
North Shore Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full North Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28679) · FFIEC NIC profile (RSSD 376273)