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North Shore Trust And Savings
Waukegan, IL · FDIC Certificate #27683 · Chartered 01/0
Total assets
$270.26M
Total deposits
$201.28M
Total equity
$62.33M
Net loans
$127.90M
Branches (offices)
3
Net income (YTD)
$1.22M
Rank: #2,606 of 4,213 U.S. banks by assets · #166 of 322 in Illinois. Assets changed -2.2% and deposits -4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 3.97% |
| Net interest margin (YTD) | 2.86% |
| Equity to assets | 23.06% |
| Tier 1 leverage ratio | 25.24% |
| Uninsured deposits (share of deposits) | 14.9% |
| Noncurrent loans (share of loans) | 1.87% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 63.5% |
| Real estate loans (share of loans) | 100.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $128.03M | 100.1% | |
| Commercial & industrial | $652.00K | 0.5% | |
| Consumer / individual | $309.00K | 0.2% | |
| Construction & development | $2.90M | 2.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $274.24M | $210.31M | -$194.00K | $57.22M |
| Jun 2023 | $256.62M | $190.01M | $279.00K | $54.93M |
| Jun 2024 | $266.09M | $199.23M | -$5.00K | $54.75M |
| Jun 2025 | $276.23M | $211.53M | $32.00K | $58.10M |
| Jun 2026 | $270.26M | $201.28M | $1.22M | $62.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $201.28M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $201.28M.
Similar-sized banks
Fnb Bank ($270.26M) · Citizens State Bank ($270.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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