North Shore Trust and Savings
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Data as of · sourced from FFIEC call reports. How we update
North Shore Trust and Savings is an FDIC-insured savings institution headquartered in Waukegan, IL, established in 1921 (FDIC certificate 27683), and it is supervised by the OCC. At Q2 2026 it reported total assets of $270.3M, down 2.2% from Q2 2025, the 164th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 25.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27683
- Headquarters
- Waukegan, IL
- Established
- 1921
- Total assets, Q2 2026
- $270.3M
- Assets vs Q2 2025
- -2.2%
- Tier 1 leverage ratio, Q2 2026
- 25.24%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 271973762
- Latest call report
- Q2 2026, FFIEC 051 · North Shore Trust and Savings call report
- Holding company
- BROOKFIELD BANCSHARES, INC.
- Asset rank in state
- 164th of 319 in Illinois
Problem loans are rising at North Shore Trust and Savings. Its balance sheet stood at $270 million at June 30, 2026, down 2.2% from a year earlier; it is based in Waukegan, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.87% of loans from 0.21% a year earlier. It keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it funds 25.24% of its assets with Tier 1 capital, about double the median of 10.99% for banks its size.
Profitability lags: it returns 6.4% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, North Shore Trust and Savings reported a return on assets of 1.47%, a nonperforming-loan ratio of 1.87% and a Texas ratio of 3.80%. The figures come from its call report filed with the FFIEC.
North Shore Trust and Savings ranks as the 164th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $270.3M, loans fell 1.2% and deposits fell 0.8%. 1-4 family residential loans made up 92.0% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 2.7%. Its 3 offices in the FDIC Summary of Deposits are in Waukegan, IL and Lindenhurst, IL; its Waukegan 2 offices book 85% of its branch deposits. On its Q2 2026 call report, North Shore Trust and Savings meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 700 S Lewis Ave, Waukegan, IL 60085
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1921
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $201.3M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $270.6M
- Average total loans
- $129.1M
- Average interest-bearing deposits
- $169.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27683
- Fed RSSD
- 775773
- Website
- www.northshoretrust.com →
- Parent Holding Company
- BROOKFIELD BANCSHARES, INC. (RSSD 4477075)
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 Trust and Savings reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
North Shore Trust and Savings's total assets moved between a low of $251.6M (Q3 2023) and a high of $282.8M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$270.3M total assets against $276.2M; $207.9M total liabilities against $218.1M.
$127.9M net loans and leases against $137.3M; $201.3M total deposits against $211.5M.
$74.6M securities against $69.6M; $48.3M cash and balances due against $49.0M.
$2.5M total interest income against $2.8M; $776K total interest expense against $961K.
$1.7M net interest income against $1.8M.
$1.5M total noninterest income against $692K; $2.2M total noninterest expense against $2.4M.
$1K provision for credit losses against $57K.
$993K net income against $97K.
1.47% return on assets against 0.14%; 2.67% net interest margin against 2.68%.
25.24% tier 1 leverage ratio against 23.20%.
Inside the full North Shore Trust and Savings terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorth Shore Trust and Savings rankings
Its closest position to the top of a national ranking is 1,379 of 3,611, for ROA; its furthest is 2,629 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.09% (Q1 2025) to 1.47% (Q2 2026) and its net interest margin ran from 2.63% (Q4 2024) to 2.97% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.24% | 1.47% | 1.87% | 3.80% | 2.67% |
| Q1 2026 | 24.93% | 0.33% | 0.22% | 0.46% | 2.86% |
| Q4 2025 | 24.32% | 0.67% | 0.21% | 0.46% | 2.83% |
| Q3 2025 | 24.11% | 0.47% | 0.21% | 0.47% | 2.97% |
| Q2 2025 | 23.20% | 0.14% | 0.21% | 0.48% | 2.68% |
| Q1 2025 | 23.11% | -0.09% | 0.20% | 0.45% | 2.64% |
| Q4 2024 | 23.53% | 0.48% | 0.00% | 0.00% | 2.63% |
| Q3 2024 | 23.96% | 0.10% | 0.19% | 0.45% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Trust and Savings (main office) | Waukegan , IL | 60085 | $120.7M |
| Waukegan Branch | Waukegan , IL | 60085 | $50.9M |
| Sand Lake Branch | Lindenhurst , IL | 60046 | $29.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action August 6, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 209 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 506 applications, 294 loans originated, $95.9M originated, across 25 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 Trust and Savings
What are North Shore Trust and Savings's total assets?
As of the Q2 2026 filing, North Shore Trust and Savings reported total assets of $270.3 million in its FFIEC call report.
Where is North Shore Trust and Savings headquartered?
It is headquartered in Waukegan, IL, United States.
When was North Shore Trust and Savings founded?
It was established in 1921, per the FDIC institution directory.
Is North Shore Trust and Savings FDIC-insured?
Yes. It is an FDIC-insured savings institution (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.
How many branches does North Shore Trust and Savings operate?
It operates 3 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 Trust and Savings's Texas Ratio?
Its Texas Ratio is 3.80% 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.
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