North Shore Bank: how it compares with its peers
Against 17 WI banks with half to twice its assets, North Shore Bank's strongest measure in Q2 2026 is net interest margin (3.94% vs. a 3.59% peer median). Its weakest relative measure is efficiency ratio (69.75% vs. 59.91%).
| Measure | North Shore Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.32% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 3.59% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.75% | 59.91% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $8.1M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.46% | 95.37% | Context |
What it means for lending operations
Its efficiency ratio of 69.75% is above the 59.91% 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
- One Community Bank Oregon, WI · $2.63B
- Bank Five Nine Oconomowoc, WI · $2.53B
- National Exchange Bank and Trust Fond Du Lac, WI · $2.89B
- WaterStone Bank, SSB Wauwatosa, WI · $2.25B
- National Bank of Commerce Superior, WI · $2.23B
- IncredibleBank Wausau, WI · $2.10B
Questions about North Shore Bank
How big is North Shore Bank?
North Shore Bank, established in 1923, is headquartered in Brookfield, WI. It reported $2.61B in total assets in its Q2 2026 FDIC call report and operates 44 offices.
What is North Shore Bank's return on assets?
1.02% annualized in Q2 2026, against a 1.32% median for 17 WI banks with half to twice its assets, ahead of 24% of them.
What is North Shore Bank's efficiency ratio?
69.75% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 59.91%, and lower is better.
Is North Shore Bank growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits grew 3.7%.
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 WI 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 Wisconsin bank ranked.