North Shore Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Brookfield, North Shore Bank serves the Wisconsin market as a community-focused commercial bank. As of Q2 2026, the bank held approximately $2.6B in total assets and $2.2B in deposits. Returns are in line with industry norms at 1.05% ROA and 6.92% ROE; net interest margin is 3.96%. Under the simplified Community Bank Leverage Ratio framework, leverage of 14.45% exceeds the CBLR threshold. Asset quality is pristine, 0.10% NPLs and a 0.52% Texas Ratio. North Shore operates a 44-branch network.
As of June 30, 2026, North Shore Bank reported a Tier 1 leverage ratio of 14.45%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.10%, a Texas ratio of 0.52%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 15700 W Bluemound Rd, Brookfield, WI 53005
- County
- Waukesha
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1923
- Former names
- North Shore Bank, FSB (1990-2022); North Shore Bank, SSB (1989-1990)
- Offices
- 44 domestic
- Employees (FTE)
- 415
- Domestic deposits
- $2.17B
- Allowance for credit losses
- $13.9M
- Net charge-offs (YTD)
- $182K
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28679
- Fed RSSD
- 376273
- Website
- www.northshorebank.com →
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full North Shore Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock North Shore Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
North Shore Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.45% | 1.05% | 0.10% | 0.52% | 3.96% |
| Q1 2026 | 14.41% | 0.99% | 0.09% | 0.48% | 3.87% |
| Q4 2025 | 14.06% | 1.07% | 0.09% | 0.46% | 3.93% |
| Q3 2025 | 14.11% | 0.56% | 0.10% | 0.50% | 3.87% |
| Q2 2025 | 14.18% | 0.95% | 0.15% | 0.81% | 3.77% |
| Q1 2025 | 13.51% | 0.90% | 0.16% | 0.85% | 3.63% |
| Q4 2024 | 12.97% | 0.89% | 0.17% | 0.91% | 3.64% |
| Q3 2024 | 12.92% | 0.87% | 0.17% | 0.97% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 43 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Shore Bank (main office) | Brookfield , WI | 53005 | $215.4M |
| Shorewood Branch | Shorewood , WI | 53211 | $102.7M |
| 15830 W Capitol Dr Branch | Brookfield , WI | 53005 | $89.7M |
| 120 W Wisconsin Ave Branch | Pewaukee , WI | 53072 | $82.2M |
| 225 N Fifth Ave Branch | Sturgeon Bay , WI | 54235 | $78.8M |
| 5101 S 76th St Branch | Greendale , WI | 53129 | $77.9M |
| New Berlin Branch | New Berlin , WI | 53151 | $75.5M |
| 4923 Washington Ave Branch | Racine , WI | 53406 | $75.4M |
| Muskego Branch | Muskego , WI | 53150 | $70.1M |
| Fox Point Branch | Fox Point , WI | 53217 | $65.9M |
| 8706 W North Ave Branch | Wauwatosa , WI | 53226 | $60.6M |
| Franklin Branch | Franklin , WI | 53132 | $59.0M |
| 9131 W Oklahoma Ave Branch | Milwaukee , WI | 53227 | $54.7M |
| 1100 W Northland Avenue Branch | Appleton , WI | 54914 | $53.1M |
| 4230 West Oklahoma Avenue Branch | Milwaukee , WI | 53215 | $52.4M |
| Burlington Branch | Burlington , WI | 53105 | $50.3M |
| North Shore Bank Branch | Mequon , WI | 53092 | $50.2M |
| North Shore Bank Branch | Oak Creek , WI | 53154 | $49.1M |
| Sussex Branch | Sussex , WI | 53089 | $46.5M |
| Grafton Bra Nch | Grafton , WI | 53024 | $45.9M |
| Union Grove Branch | Union Grove , WI | 53182 | $45.2M |
| Kenosha Main Branch | Kenosha , WI | 53144 | $45.0M |
| 165 N Augustine St Branch | Pulaski , WI | 54162 | $44.3M |
| 3911 N Main St Branch | Racine , WI | 53402 | $40.6M |
| West Allis Branch | West Allis , WI | 53227 | $39.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 29, 2016 | Structure Change | Acquired Layton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2013 | Structure Change | Acquired Banks of Wisconsin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 18, 2010 | Structure Change | Acquired Maritime Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 17, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 30, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 2005 | Structure Change | Acquired Illinois State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2000 | Structure Change | Acquired Marquette Savings Bank, S.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 28, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Structure Change | Acquired Badger Bank, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1988 | Structure Change | Acquired Sunrise Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1984 | Structure Change | Acquired Southeastern Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for North Shore Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in WI, rank 14 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about North Shore Bank
What are North Shore Bank's total assets?
As of the Q2 2026 filing, North Shore Bank reported total assets of $2.61 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is North Shore Bank headquartered?
North Shore Bank is headquartered in Brookfield, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was North Shore Bank founded?
North Shore Bank was established in 1923, per the FDIC institution directory.
Is North Shore Bank FDIC-insured?
Yes. North Shore Bank is an FDIC-insured commercial bank (FDIC Certificate #28679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Shore Bank?
North Shore Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does North Shore Bank operate?
North Shore Bank operates 44 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Shore Bank's Texas Ratio?
North Shore Bank's Texas Ratio is 0.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was North Shore Bank previously called?
The charter now named North Shore Bank has also operated as North Shore Bank, FSB (1990-2022), North Shore Bank, SSB (1989-1990), per FDIC structure-change records.
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