BlastPoint's Banking Scorecard
North Shore Bank
Community
Specialty: Commercial
WI
FDIC cert 28679
Designations: ✓ Mutual
Brookfield, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
North Shore Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 5% in Community
- - Liquidity Strain: Bottom 9% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
-2.6% YoY
+0.7% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$1.9B
+2.5% YoY
+1.5% QoQ
|
+$974.4M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.1B
+2.4% YoY
+0.3% QoQ
|
+$978.4M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.87%
-0.1% YoY
+8.8% QoQ
|
-0.30% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.83%
+5.0% YoY
+1.6% QoQ
|
+0.17% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
74.82%
+3.8% YoY
-2.8% QoQ
|
+12.19% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.09%
-47.9% YoY
-8.8% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
90.99%
+0.1% YoY
+1.2% QoQ
|
+7.93% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
11.47%
-13.1% YoY
-11.9% QoQ
|
-9.58% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-45.2% YoY
-8.1% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.72%
+2.5% YoY
+33.7% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#22 of 432 · Bottom 5% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#49 of 513 · Bottom 9% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.99%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
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
Total Loans
Current: $1.9B · Tier avg: $975.5M
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
71
71th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.99% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
17
17th pctile
Efficiency Ratio
Current: 74.82% · Tier avg: 62.63%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.47% · Tier avg: 21.05%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.47% · Tier avg: 21.05%
17
17th pctile
Efficiency Ratio
Current: 74.82% · Tier avg: 62.63%
29
29th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.99% · Tier avg: 83.06%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
71
71th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
87
87th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M