North Shore Trust and Savings: 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: 341.51 percentage points lower than in Q1 2026, at 45.42%. Within Illinois, North Shore Trust and Savings is 101st of 323 on return on assets, 1.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. North Shore Trust and Savings sits 0.21 points higher, at 1.47% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 25.24% |
| Equity capital to assets | 23.06% |
| Tangible equity to tangible assets | 23.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.87% |
| Non-performing assets ratio | 0.89% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.80% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 45.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 6.45% |
| Net interest margin | 2.67% |
| Efficiency ratio | 68.63% |
| Yield on earning assets | 3.86% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.09% |
| Core deposits to total deposits | 86.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.48% |
| Securities to assets | 27.61% |
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 | 25.80% | -0.00% | 2.42% | 0.13% | 0.00% |
| Q4 2023 | 24.72% | -4.83% | 2.19% | 0.16% | 0.00% |
| Q1 2024 | 24.26% | 0.04% | 2.64% | 0.18% | 0.00% |
| Q2 2024 | 24.00% | -0.05% | 2.71% | 0.00% | 0.00% |
| Q3 2024 | 23.96% | 0.10% | 2.80% | 0.00% | 0.00% |
| Q4 2024 | 23.53% | 0.48% | 2.63% | 0.00% | 0.00% |
| Q1 2025 | 23.11% | -0.09% | 2.64% | 0.20% | 0.00% |
| Q2 2025 | 23.20% | 0.14% | 2.68% | 0.21% | 0.00% |
| Q3 2025 | 24.11% | 0.47% | 2.97% | 0.21% | -0.29% |
| Q4 2025 | 24.32% | 0.67% | 2.83% | 0.21% | 0.00% |
| Q1 2026 | 24.93% | 0.33% | 2.86% | 0.22% | 0.00% |
| Q2 2026 | 25.24% | 1.47% | 2.67% | 1.87% | 0.00% |
North Shore Trust and Savings vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Trust and Savings, 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 Trust and Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27683) · FFIEC NIC profile (RSSD 775773)