North Side Federal Savings and Loan Association of Chicago: how it compares with its peers
Against 46 IL banks with half to twice its assets, North Side Federal Savings and Loan Association of Chicago's strongest measure in Q2 2026 is net interest margin (3.68% vs. a 3.79% peer median). Its weakest relative measure is efficiency ratio (106.68% vs. 76.08%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.18% | 0.79% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.68% | 3.79% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 106.68% | 76.08% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $5.6M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.63% | 54.43% | Context |
What it means for lending operations
Its efficiency ratio of 106.68% is above the 76.08% 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
- Country Trust Bank Bloomington, IL · $42M
- Fairview State Banking Company Fairview, IL · $41M
- Community Bank of Easton Easton, IL · $43M
- First State Bank of Van Orin Van Orin, IL · $40M
- Farmers State Bank of Emden Emden, IL · $38M
- Table Grove State Bank Table Grove, IL · $46M
Questions about North Side Federal Savings and Loan Association of Chicago
How big is North Side Federal Savings and Loan Association of Chicago?
North Side Federal Savings and Loan Association of Chicago, established in 1934, is headquartered in Chicago, IL. It reported $42M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is North Side Federal Savings and Loan Association of Chicago's return on assets?
-0.18% annualized in Q2 2026, against a 0.79% median for 46 IL banks with half to twice its assets, ahead of 9% of them.
What is North Side Federal Savings and Loan Association of Chicago's efficiency ratio?
106.68% in Q2 2026: it spent about 107 cents in noninterest expense for each dollar of revenue. The peer median is 76.08%, and lower is better.
Is North Side Federal Savings and Loan Association of Chicago growing its loans?
Net loans grew 4.0% over the year to Q2 2026, while deposits shrank 3.0%.
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.