BlastPoint's Banking Scorecard
North Shore Trust and Savings
Micro
Specialty: Mortgage
IL
FDIC cert 27683
Designations: ✓ Community bank
Waukegan, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
North Shore Trust and Savings faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 25.84% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$266.8M
-4.3% YoY
-1.2% QoQ
|
+$49.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$133.1M
+1.2% YoY
-1.4% QoQ
|
-$6.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$199.6M
-5.3% YoY
-2.0% QoQ
|
+$15.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.29%
+99.1% YoY
+75.1% QoQ
|
-0.79% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.91%
+3.1% YoY
+0.8% QoQ
|
-0.94% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
93.56%
-1.2% YoY
-2.0% QoQ
|
+25.84% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.21%
+1.1% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
66.69%
+6.8% YoY
+0.6% QoQ
|
-7.84% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
14.61%
+7.1% YoY
+9.6% QoQ
|
-7.78% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.11%
+0.8% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.83%
+20.2% YoY
+42.1% QoQ
|
+0.27% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.56%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.69% · Tier avg: 74.53%
65
65th pctile
Total Assets
Current: $266.8M · Tier avg: $217.5M
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
59
59th pctile
Total Deposits
Current: $199.6M · Tier avg: $183.7M
55
55th pctile
Total Loans
Current: $133.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.61% · Tier avg: 22.39%
13
13th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.85%
12
12th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 93.56% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 93.56% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.08%
13
13th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.85%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.61% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Loans
Current: $133.1M · Tier avg: $139.2M
59
59th pctile
Total Deposits
Current: $199.6M · Tier avg: $183.7M
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
65
65th pctile
Total Assets
Current: $266.8M · Tier avg: $217.5M
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.69% · Tier avg: 74.53%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%