Bank call report · Waukegan, IL
North Shore Trust and Savings Call Report
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North Shore Trust and Savings filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 238 reported line items, schedule by schedule (458 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 775773 |
| FDIC certificate number | 27683 |
| Total assets | $270.3M |
Official Q2 2026 call report PDF (FFIEC) →
North Shore Trust and Savings call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · North Shore Trust and Savings balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $270.3M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $270.3M |
| Total Liabilities and Minority Interest | RCON2948 | $207.9M |
| Total Deposits | RCON2200 | $201.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $172.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $127.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $126.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $74.6M |
| Total Equity Capital | RCON3210 | $62.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $62.3M |
| Interest-bearing Balances | RCON0071 | $47.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $43.8M |
| Deposits: Noninterest-bearing | RCON6631 | $29.0M |
| Surplus | RCON3839 | $27.9M |
| Other Assets | RCON2160 | $14.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$6.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $5.0M |
| Other Borrowed Money | RCON3190 | $3.7M |
| Other Components of Equity Capital | RCONA130 | -$3.4M |
| Other Liabilities, Total | RCON2930 | $3.0M |
| Loans and Leases Held for Sale | RCON5369 | $1.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.1M |
| Intangible Assets | RCON2143 | $80K |
| Common Stock | RCON3230 | $1K |
Schedule RI: Income Statement (36 items)
About Schedule RI · North Shore Trust and Savings income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $5.1M |
| Total Noninterest Expense | RIAD4093 | $4.5M |
| Net Interest Income | RIAD4074 | $3.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $3.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.1M |
| Salaries and Employee Benefits | RIAD4135 | $2.6M |
| Total Noninterest Income | RIAD4079 | $2.1M |
| Total Interest Expense | RIAD4073 | $1.5M |
| Other Noninterest Expense | RIAD4092 | $1.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.2M |
| Net Income (Loss) | RIAD4340 | $1.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.2M |
| Other Noninterest Income | RIADB497 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $963K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $842K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $667K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $581K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $441K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $396K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $348K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $195K |
| Interest on Other Securities | RIAD4060 | $149K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $120K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $111K |
| Net Servicing Fees | RIADB492 | $86K |
| Other Interest Expense | RIADGW44 | $60K |
| Provision for Loan and Lease Losses | RIAD4230 | -$33K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $26K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$25K |
| Other Interest Income | RIAD4518 | $19K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $16K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $9K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 36 |
Schedule RC-B: Securities (28 items)
About Schedule RC-B · North Shore Trust and Savings securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $6.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $5.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $83.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $24.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $21.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $15.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $13.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $13.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $12.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $11.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $11.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $10.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $8.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $7.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $7.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $7.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $7.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $6.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $6.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $6.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $5.1M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $4.1M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $3.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $3.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $100K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · North Shore Trust and Savings loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $129.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $110.7M |
| Pledged Loans and Leases | RCONG378 | $98.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $52.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $38.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $18.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $15.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $12.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $8.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $7.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $5.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $3.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $3.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $3.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $2.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.5M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $1.7M |
| Commercial and Industrial Loans | RCON1766 | $652K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $425K |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $311K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $243K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $218K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $173K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $89K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $83K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $9K |
| Other Loans | RCONJ464 | $3K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $574K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $358K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $204K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $56K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $25K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $21K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 4 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 1 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 1 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 1 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 1 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · North Shore Trust and Savings deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $155.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $155.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $48.9M |
| Total Transaction Accounts | RCON2215 | $46.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $46.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $37.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $35.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $35.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $30.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $29.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $26.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $25.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $19.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $16.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $15.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $13.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $12.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $2.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $40K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $9.5M |
| Net Deferred Tax Assets | RCON2148 | $2.4M |
| Other Assets | RCON2168 | $904K |
| Accrued Interest Receivable | RCONB556 | $881K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $675K |
| Accounts Receivable | RCONFT34 | $522K |
| Prepaid Expenses | RCON2166 | $299K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $2.2M |
| Deferred Compensation Liabilities | RCONC011 | $2.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $696K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $51K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $47K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · North Shore Trust and Savings quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $270.6M |
| Quarterly Average of Total Loans | RCON3360 | $129.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $119.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $65.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $63.3M |
| Mortgage-backed Securities | RCONB559 | $52.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $46.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $25.8M |
| All Other Securities | RCONB560 | $18.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $14.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $13.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $9.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $3.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $599K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $310K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · North Shore Trust and Savings derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $141K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · North Shore Trust and Savings memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $3.7M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $3.6M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $574K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $80K |
| Mortgage Servicing Assets | RCON3164 | $80K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCONF062 | $57K |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (6 items)
About Schedule RC-N · North Shore Trust and Savings past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.4M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.4M |
| Additions to Nonaccrual Assets | RCONC410 | $2.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $496K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $407K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $89K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · North Shore Trust and Savings other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $270.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $201.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $128.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $67.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $57.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $13.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,347 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 415 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 112 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 6 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (17 items)
About Schedule RC-R, Part I · North Shore Trust and Savings regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $270.6M |
| Average total consolidated assets | RCOAKW03 | $270.6M |
| Total Assets | RCOA2170 | $270.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $68.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $68.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $68.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $62.3M |
| Retained Earnings | RCOAKW00 | $43.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $24.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$6.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$6.0M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $4.7M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $4.7M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.2524 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0174 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $62.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $60.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $60.6M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $726K |
| Other Comprehensive Income | RIADB511 | -$220K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · North Shore Trust and Savings changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.1M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.1M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $8K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $40.0M |
North Shore Trust and Savings call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the North Shore Trust and Savings call report?
The North Shore Trust and Savings call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does North Shore Trust and Savings file?
North Shore Trust and Savings files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the North Shore Trust and Savings call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: North Shore Trust and Savings has Federal Reserve RSSD ID 775773 and FDIC certificate number 27683. Either one finds its filings on the FFIEC Central Data Repository.
How often does North Shore Trust and Savings file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
North Shore Trust and Savings financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 27683) · FFIEC NIC profile (RSSD 775773)