Bank Safety Analysis
Is North Side Federal Savings and Loan Association of Chicago Safe? Chicago, Illinois
Based on its Q3 2026 call report, North Side Federal Savings and Loan Association of Chicago meets every capital ratio test for well capitalized, its Texas ratio is 14.58%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is North Side Federal Savings and Loan Association of Chicago safe?
On its Q3 2026 call report, North Side Federal Savings and Loan Association of Chicago's CET1 ratio is 17.55%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 17.55%
- Tier 1 leverage ratio (Q3 2026): 9.00%
- Texas ratio (Q3 2026): 14.58%
- Noncurrent loans ratio (Q3 2026): 1.75%
North Side Federal Savings and Loan Association of Chicago is an FDIC-insured savings institution (FDIC Certificate #29449). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report North Side Federal Savings and Loan Association of Chicago (FDIC Certificate #29449) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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North Side Federal Savings and Loan Association of Chicago is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold.
Net interest margin rose 0.15 percentage points from Q2 2026 to Q3 2026, ending at 3.83% against 3.68%. It was the largest change among the key lines on this page. Within Illinois, North Side Federal Savings and Loan Association of Chicago is 62nd of 176 on CET1 ratio, 17.55% as of Q3 2026. North Side Federal Savings and Loan Association of Chicago reported 17.55% on CET1 ratio for Q3 2026, 2.41 points below the 19.96% median for banks in the < $100M asset tier.
From Q4 2023 to Q3 2026, North Side Federal Savings and Loan Association of Chicago's CET1 ratio ranged between 17.55% (Q3 2026) and 21.00% (Q4 2023) and its Texas ratio ranged between 13.26% (Q4 2025) and 20.13% (Q4 2023).
Between Q3 2025 and Q3 2026, North Side Federal Savings and Loan Association of Chicago's CET1 ratio fell from 18.57% to 17.55%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.67% to 1.75%, Texas ratio rose from 13.54% to 14.58% and return on assets fell from -0.05% to -0.18%.
North Side Federal Savings and Loan Association of Chicago ranks as the 300th largest of the 319 banks based in Illinois, by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $27.7M of $32.8M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, North Side Federal Savings and Loan Association of Chicago's CET1 ratio of 17.55% is below the 19.96% median, Tier 1 leverage ratio of 9.00% is below the 12.88% median, nonperforming loans ratio of 1.75% is above the 0.36% median, Texas ratio of 14.58% is above the 1.89% median, and efficiency ratio of 106.42% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
North Side Federal Savings and Loan Association of Chicago's composite risk score is 0.57 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does North Side Federal Savings and Loan Association of Chicago score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does North Side Federal Savings and Loan Association of Chicago trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 17.55% | Within range |
| Texas ratio BankRegReports band | 14.58% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.75% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 94.71% | Within range |
| Commercial real estate to capital supervisory threshold | 78.07% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.05% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 17.55% |
| Q2 2026 | 17.92% |
| Q1 2026 | 18.27% |
| Q4 2025 | 18.14% |
| Q3 2025 | 18.57% |
| Q2 2025 | 18.97% |
| Q1 2025 | 18.93% |
| Q4 2024 | 19.16% |
| Q3 2024 | 19.61% |
| Q2 2024 | 19.71% |
| Q1 2024 | 20.35% |
| Q4 2023 | 21.00% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 14.58% |
| Q2 2026 | 14.60% |
| Q1 2026 | 14.80% |
| Q4 2025 | 13.26% |
| Q3 2025 | 13.54% |
| Q2 2025 | 14.08% |
| Q1 2025 | 15.11% |
| Q4 2024 | 16.12% |
| Q3 2024 | 15.53% |
| Q2 2024 | 16.23% |
| Q1 2024 | 17.53% |
| Q4 2023 | 20.13% |
Loans by type, Q3 2026
- 1-4 family residential loans: $27.7M
- Owner-occupied commercial real estate loans: $2.0M
- Multifamily loans: $1.7M
- Non-owner-occupied commercial real estate loans: $1.5M
How have North Side Federal Savings and Loan Association of Chicago's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $41.3M | 17.55% | 9.00% | 1.75% | 14.58% | 106.42% |
| Jun 30, 2026 | $41.8M | 17.92% | 9.05% | 1.83% | 14.60% | 105.67% |
| Mar 31, 2026 | $41.9M | 18.27% | 8.91% | 1.89% | 14.80% | 107.71% |
| Dec 31, 2025 | $42.8M | 18.14% | 9.02% | 1.60% | 13.26% | 106.84% |
| Sep 30, 2025 | $42.8M | 18.57% | 9.02% | 1.67% | 13.54% | 101.34% |
| Jun 30, 2025 | $43.3M | 18.97% | 9.00% | 1.74% | 14.08% | 105.32% |
| Mar 31, 2025 | $43.2M | 18.93% | 8.96% | 1.85% | 15.11% | 110.39% |
| Dec 31, 2024 | $43.9M | 19.16% | 9.17% | 1.88% | 16.12% | 105.51% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is North Side Federal Savings and Loan Association of Chicago FDIC insured?
Yes. North Side Federal Savings and Loan Association of Chicago is an FDIC-insured savings institution (FDIC Certificate #29449). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is North Side Federal Savings and Loan Association of Chicago well capitalized?
On its Q3 2026 call report, North Side Federal Savings and Loan Association of Chicago's CET1 ratio is 17.55%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are North Side Federal Savings and Loan Association of Chicago's key safety ratios?
For Q3 2026, North Side Federal Savings and Loan Association of Chicago reports CET1 17.55%, leverage 9.00%, Texas ratio 14.58%, noncurrent loans 1.75%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if North Side Federal Savings and Loan Association of Chicago fails?
For Q3 2026, North Side Federal Savings and Loan Association of Chicago reported $34.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full North Side Federal Savings and Loan Association of Chicago profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
North Side Federal Savings and Loan Association of Chicago fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%; Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 29449) · FFIEC NIC profile (RSSD 375379)
Explore: Full North Side Federal Savings and Loan Association of Chicago profile · Other banks in IL · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.