North Shore Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 80.58 percentage points lower than in Q1 2026, at 686.70%. Within Wisconsin, North Shore Bank is 110th of 153 on return on assets, 1.05% as of Q2 2026, below the middle of the field. North Shore Bank reported 1.05% on return on assets for Q2 2026, 0.22 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.45% |
| Equity capital to assets | 15.31% |
| Tangible equity to tangible assets | 14.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.52% |
| Allowance for credit losses to loans | 0.67% |
| Reserve coverage of non-performing loans | 686.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 6.92% |
| Net interest margin | 3.96% |
| Efficiency ratio | 69.18% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.10% |
| Core deposits to total deposits | 95.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.28% |
| Securities to assets | 8.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.13% | 1.10% | 3.81% | 0.19% | 0.02% |
| Q4 2023 | 12.35% | 1.06% | 3.76% | 0.19% | -0.00% |
| Q1 2024 | 12.71% | 0.82% | 3.69% | 0.18% | 0.01% |
| Q2 2024 | 12.82% | 0.91% | 3.57% | 0.18% | 0.01% |
| Q3 2024 | 12.92% | 0.87% | 3.61% | 0.17% | 0.01% |
| Q4 2024 | 12.97% | 0.89% | 3.64% | 0.17% | -0.00% |
| Q1 2025 | 13.51% | 0.90% | 3.63% | 0.16% | 0.04% |
| Q2 2025 | 14.18% | 0.95% | 3.77% | 0.15% | -0.00% |
| Q3 2025 | 14.11% | 0.56% | 3.87% | 0.10% | -0.00% |
| Q4 2025 | 14.06% | 1.07% | 3.93% | 0.09% | 0.02% |
| Q1 2026 | 14.41% | 0.99% | 3.87% | 0.09% | 0.02% |
| Q2 2026 | 14.45% | 1.05% | 3.96% | 0.10% | 0.02% |
North Shore Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)