North Shore Trust and Savings

BankWaukegan, Illinois
www.northshoretrust.com

Total Assets

$266.8M

Total Deposits

$199.6M

Branches

3

Established

1921

TFS Health Grade

$
D-

60.3 / 100

Below average financial health

How we grade

North Shore Trust and Savings is a bank headquartered in Waukegan, Illinois, established in 1921. With $266.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D- (60.3/100).

Capital & Safety

Tier 1 Capital Ratio
24.32%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.21%

Profitability

Return on Assets (ROA)
0.29%(1%)
Return on Equity (ROE)
1.39%(10%)
Net Interest Margin
2.91%
Efficiency Ratio
93.56%(60%)

Lending & Liquidity

Total Loans
$134.2M
Loan-to-Deposit Ratio
66.69%
Net Charge-Off Ratio
-0.07%

Growth

Asset Growth (YoY)
-4.35%
Deposit Growth (YoY)
-5.32%
Net Income
$809.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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