North Shore Trust and Savings: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Shore Trust and Savings of Waukegan, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.47% | 1.34% | +0.13% | 61st above |
| ROAE | 6.45% | 13.32% | -6.87% | 19th bottom |
| Net Interest Margin | 2.67% | 3.93% | -1.26% | 5th bottom |
| Efficiency Ratio | 68.63% | 61.14% | +7.49% | 31st below |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 43rd below |
| Yield on Earning Assets | 3.86% | 5.67% | -1.81% | 2nd bottom |
| Cost of Funds | 1.53% | 1.88% | -0.35% | 67th above |
| Net Interest Spread | 2.10% | 3.32% | -1.22% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.87% | 0.94% | +0.93% | 14th bottom |
| NPA / Total Assets | 0.89% | 0.70% | +0.19% | 23rd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.85% | 1.28% | -0.43% | 14th bottom |
| ACL / NPLs (Coverage) | 45.42% | 1539.10% | -1493.68% | 9th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.80% | 7.33% | -3.53% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 25.24% | 12.14% | +13.10% | 98th top |
| Equity / Assets | 23.06% | 11.37% | +11.69% | 97th top |
| TCE / Tangible Assets | 23.06% | 11.09% | +11.97% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.09% | 80.64% | -16.55% | 78th top |
| Core Deposit Ratio | 86.68% | 86.86% | -0.18% | 37th below |
| Wholesale Funding Ratio | 1.36% | 5.03% | -3.67% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.16% | 6.85% | -9.01% | 10th bottom |
| Loan Growth (Y/Y) | -6.84% | 7.91% | -14.75% | 5th bottom |
| Deposit Growth (Y/Y) | -4.85% | 6.29% | -11.14% | 7th bottom |
See North Shore Trust and Savings's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Shore Trust and Savings, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full North Shore Trust and Savings profile, how to read a UBPR, or how this data updates.