North Shore Trust and Savings: how it compares with its peers
Against 146 IL banks with half to twice its assets, North Shore Trust and Savings's strongest measure in Q2 2026 is assets per employee ($7.5M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (2.86% vs. 3.75%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.90% | 1.19% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.86% | 3.75% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.06% | 64.45% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.6M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.54% | 75.34% | Context |
What it means for lending operations
Its efficiency ratio of 79.06% is above the 64.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Farmers and Merchants National Bank of Nashville Nashville, IL · $270M
- Community First Bank of the Heartland Mount Vernon, IL · $267M
- First National Bank of Steeleville Steeleville, IL · $275M
- First Bank of Manhattan Manhattan, IL · $266M
- PeopleFirst Bank Joliet, IL · $266M
- SouthernTrust Bank Marion, IL · $278M
Questions about North Shore Trust and Savings
How big is North Shore Trust and Savings?
North Shore Trust and Savings, established in 1921, is headquartered in Waukegan, IL. It reported $270M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is North Shore Trust and Savings's return on assets?
0.90% annualized in Q2 2026, against a 1.19% median for 146 IL banks with half to twice its assets, ahead of 31% of them.
What is North Shore Trust and Savings's efficiency ratio?
79.06% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 64.45%, and lower is better.
Is North Shore Trust and Savings growing its loans?
Net loans shrank 6.8% over the year to Q2 2026, while deposits shrank 4.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.