North Side Federal Savings and Loan Association of Chicago: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
The biggest quarter-over-quarter change on this page was a small one: Non-performing loans to total loans edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 3.41%.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $505K |
| Modified loans to total loans | 1.58% |
| Non-performing assets excluding restructured loans, to assets | 1.40% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 3.41% |
| Nonaccrual loans to loans | 1.83% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 0.00% |
| Allowance for credit losses to loans | 0.90% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 1.80% | 4.51% | 0.00% |
| Q4 2023 | 2.14% | 4.75% | 0.00% |
| Q1 2024 | 1.99% | 4.09% | 0.00% |
| Q2 2024 | 1.87% | 3.85% | 0.00% |
| Q3 2024 | 1.84% | 3.79% | 0.00% |
| Q4 2024 | 1.77% | 3.65% | 0.00% |
| Q1 2025 | 1.74% | 3.59% | 0.00% |
| Q2 2025 | 1.74% | 3.48% | 0.00% |
| Q3 2025 | 1.69% | 3.36% | 0.00% |
| Q4 2025 | 1.62% | 3.22% | 0.00% |
| Q1 2026 | 1.64% | 3.53% | 0.00% |
| Q2 2026 | 1.58% | 3.41% | 0.00% |
North Side Federal Savings and Loan Association of Chicago loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock North Side Federal Savings and Loan Association of Chicago, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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 Side Federal Savings and Loan Association of Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29449) · FFIEC NIC profile (RSSD 375379)