Total Assets
$267M
Total balance-sheet footings
FDIC Cert #27683 · Waukegan, Illinois · Est. 1921
North Shore Trust and Savings - FDIC Bank Health Profile
A community-scale look at North Shore Trust and Savings's own numbers, pulled straight from its quarterly FDIC Call Report.
- $267M
- Total assets
- B
- Health grade · Good
- 0.29%
- Return on assets
- 24.3%
- Tier 1 capital
Data updated July 2026
The verdict
North Shore Trust and Savings earns a PlainBankData health grade of B (67/100), with well-capitalized at 24.32% Tier 1, 0.29% ROA, 94% efficiency ratio.
- #2,664
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 24.32%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How North Shore Trust and Savings's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
North Shore Trust and Savings's composite health score
Tier 1 Capital Ratio (24.32%) 40/40
Return on Assets (ROA) (0.29%) 7/25
Texas Ratio (0.46%) 20/20
Efficiency Ratio (93.56%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$200M
Customer-funded liabilities
Net Loans
$133M
Outstanding loan book
Net Income
$809K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where North Shore Trust and Savings ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. North Shore Trust and Savings's score of 67/100 falls in the highlighted band.
North Shore Trust and Savings's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). North Shore Trust and Savings's $267M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
24.32% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.32%
Texas Ratio
0.46%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.29%
Return on Equity (ROE)
1.39%
Efficiency Ratio
93.56%
What the numbers say about North Shore Trust and Savings
North Shore Trust and Savings is an FDIC-insured institution (Certificate #27683) headquartered in Waukegan, Illinois, established in 1921. It holds $267M in total assets - 2,664th of 4,313 FDIC-insured banks, $200M in customer deposits, and $133M in net loans. Capital-wise, the Tier 1 ratio sits at 24.32%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.46%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
North Shore Trust and Savings sits 168th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. North Shore Trust and Savings reports a Texas Ratio of 0.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) North Shore Trust and Savings (FDIC Cert #27683) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is North Shore Trust and Savings's health grade?▼
North Shore Trust and Savings receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is North Shore Trust and Savings?▼
North Shore Trust and Savings holds $267M in total assets and $200M in deposits, ranking 2,664th of 4,313 FDIC-insured banks by asset size. It is headquartered in Waukegan, Illinois.
Is my money safe at North Shore Trust and Savings?▼
Yes, deposits at North Shore Trust and Savings (Certificate #27683) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is North Shore Trust and Savings's Tier 1 Capital Ratio?▼
North Shore Trust and Savings has a Tier 1 Capital Ratio of 24.32%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for North Shore Trust and Savings?▼
North Shore Trust and Savings has a Texas Ratio of 0.46%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is North Shore Trust and Savings?▼
North Shore Trust and Savings has an Efficiency Ratio of 93.56%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read North Shore Trust and Savings's profile as a depositor or analyst.
- North Shore Trust and Savings's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare North Shore Trust and Savings against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.