North Side Federal Savings and Loan Association of Chicago
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Data as of · sourced from FFIEC call reports. How we update
North Side Federal Savings and Loan Association of Chicago is an FDIC-insured savings institution headquartered in Chicago, IL, supervised by the OCC, with $41.8M in total assets at Q2 2026, down 3.4% from Q2 2025, the 299th largest of 319 banks headquartered in Illinois. It was established in 1934 and holds FDIC certificate 29449. Its CET1 capital ratio was 17.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29449
- Headquarters
- Chicago, IL
- Established
- 1934
- Total assets, Q2 2026
- $41.8M
- Assets vs Q2 2025
- -3.4%
- CET1 ratio, Q2 2026
- 17.92%
- Domestic offices
- 1 · North Side Federal Savings and Loan Association of Chicago branches FDIC institution directory, current count
- Routing number
- 271071114
- Safety and soundness
- Is North Side Federal Savings and Loan Association of Chicago safe?
- Latest call report
- Q2 2026, FFIEC 051 · North Side Federal Savings and Loan Association of Chicago Q3 2026 call report, filed October 19, 2026 (preliminary)
- Asset rank in state
- 299th of 319 in Illinois
North Side Federal Savings and Loan Association of Chicago, based in Chicago, Illinois, reported $42 million in assets at June 30, 2026, down 3.4% from a year earlier. It is losing 1.7% a year on shareholders' equity, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 8.6%). It also spends about 106 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $16,000 in the quarter. Over the same year, loans grew 4.0% and deposits shrank 3.0%. Where it has less room is capital: it funds 9.05% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 12.81%).
As of June 30, 2026, North Side Federal Savings and Loan Association of Chicago reported a CET1 capital ratio of 17.92%, a return on assets of -0.15%, a nonperforming-loan ratio of 1.83% and a Texas ratio of 14.60%. The figures come from its call report filed with the FFIEC.
North Side Federal Savings and Loan Association of Chicago ranks as the 299th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $41.8M, loans rose 2.1% and deposits rose 2.5%. 1-4 family residential loans made up 83.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 6.3%. Its one office in the FDIC Summary of Deposits is in Chicago, IL. Judged on its Q2 2026 call report, North Side Federal Savings and Loan Association of Chicago meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5159 N Clark St, Chicago, IL 60640
- County
- Cook
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $34.6M
- Allowance for credit losses
- $287K
- Net charge-offs (YTD)
- $0
- Average total assets
- $41.9M
- Average total loans
- $31.7M
- Average interest-bearing deposits
- $26.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29449
- Fed RSSD
- 375379
- Website
- www.northsidefederal.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, North Side Federal Savings and Loan Association of Chicago's total assets ran between $40.5M (Q4 2023) and $43.9M (Q4 2024), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$41.8M total assets against $43.3M; $38.1M total liabilities against $39.8M.
$31.7M net loans and leases against $30.4M; $34.6M total deposits against $35.6M.
$3.9M securities against $5.6M; $4.0M cash and balances due against $5.1M.
$468K total interest income against $475K; $100K total interest expense against $128K.
$368K net interest income against $347K.
$20K total noninterest income against $29K; $410K total noninterest expense against $396K.
No provision recorded in the last 12 quarters.
-$16K net income against -$13K.
-0.15% return on assets against -0.12%; 3.68% net interest margin against 3.35%.
17.92% CET1 capital ratio against 18.97%; 9.05% tier 1 leverage ratio against 9.00%.
Inside the full North Side Federal Savings and Loan Association of Chicago terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.25% (Q1 2025) to -0.05% (Q3 2025) and its net interest margin ran from 3.20% (Q1 2025) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.92% | -0.15% | 1.83% | 14.60% | 3.68% |
| Q1 2026 | 18.27% | -0.21% | 1.89% | 14.80% | 3.49% |
| Q4 2025 | 18.14% | -0.17% | 1.60% | 13.26% | 3.52% |
| Q3 2025 | 18.57% | -0.05% | 1.67% | 13.54% | 3.45% |
| Q2 2025 | 18.97% | -0.12% | 1.74% | 14.08% | 3.35% |
| Q1 2025 | 18.93% | -0.25% | 1.85% | 15.11% | 3.20% |
| Q4 2024 | 19.16% | -0.14% | 1.88% | 16.12% | 3.25% |
| Q3 2024 | 19.61% | -0.21% | 1.95% | 15.53% | 3.25% |
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Branch Network
View the branch → 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 Side Federal Savings and Loan Association of Chicago (main office) | Chicago , IL | 60640 | $34.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- November 16, 2023, OCC: Formal Agreement: North Side FS & LA of Chicago
- Period: Most recent institution action November 16, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 354 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), 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 Side Federal Savings and Loan Association of Chicago
What are North Side Federal Savings and Loan Association of Chicago's total assets?
As of the Q2 2026 filing, North Side Federal Savings and Loan Association of Chicago reported total assets of $41.8 million in its FFIEC call report.
Where is North Side Federal Savings and Loan Association of Chicago headquartered?
It is headquartered in Chicago, IL, United States.
When was North Side Federal Savings and Loan Association of Chicago founded?
It was established in 1934, per the FDIC institution directory.
Is North Side Federal Savings and Loan Association of Chicago FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29449). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Side Federal Savings and Loan Association of Chicago?
North Side Federal Savings and Loan Association of Chicago's primary federal regulator is the OCC.
What is North Side Federal Savings and Loan Association of Chicago's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does North Side Federal Savings and Loan Association of Chicago operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Side Federal Savings and Loan Association of Chicago's Texas Ratio?
Its Texas Ratio is 14.60% 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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