Total Assets
$43M
Total balance-sheet footings
FDIC Cert #29449 · Chicago, Illinois · Est. 1934
North Side Federal Savings and Loan Association of Chicago - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $43M
- Total assets
- C
- Health grade · Fair
- -0.15%
- Return on assets
- 18.1%
- Tier 1 capital
Data updated July 2026
The verdict
North Side Federal Savings and Loan Association of Chicago earns a PlainBankData health grade of C (56/100), with well-capitalized at 18.14% Tier 1, -0.15% ROA, 106% efficiency ratio.
- #4,172
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 18.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 29449 · IL C · 56/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-C C (56/100)
- BOTTOM-DECILE #3995/4307
- PHOTO-FINISH Kingstree Federal Sa… · SC
- TIER1-WELL 18.1% Tier 1
- TEXAS-CLEAN 13.3% Texas
- ROA-LOSS -0.15% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Illinois: Kingstree Federal Savings and Loan Association, SC (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around North Side Federal Savings and Loan A…
Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.
Call Report read for North Side Federal Savings and Loan A… in a high-failure state
North Side Federal Savings and Loan Association of Chicago (FDIC Cert #29449) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,995 of 4,307. Tier 1 capital prints at 18.14%, clearing the 10% well-capitalized line. The Texas Ratio is 13.26%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.15%. Balance-sheet scale is $43M, 4,172nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Kingstree Federal Savings and Loan Association (SC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around North Side Federal Savings and Loan A…
71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus
North Side Federal Savings and Loan Association of Chicago sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about North Side Federal Savings and Loan Association of Chicago's current Call Report.
- METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
- PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
- FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.
How North Side Federal Savings and Loan Association of Chicago's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (18.14%) 40/40
Return on Assets (ROA) (-0.15%) 0/25
Texas Ratio (13.26%) 16/20
Efficiency Ratio (105.93%) 0/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$35M
Customer-funded liabilities
Net Loans
$32M
Outstanding loan book
Net Income
$-63K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where North Side Federal Savings and Loan Association of Chicago ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. North Side Federal Savings and Loan Association of Chicago's score of 56/100 falls in the highlighted band.
North Side Federal Savings and Loan Association of Chicago: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
56 7th percentile higher than 7% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
North Side Federal Savings and Loan Association of Chicago'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 Side Federal Savings and Loan Association of Chicago's $43M falls in the highlighted band.
Capital & credit buffers at North Side Federal Savings and Loan A…
Tier 1 capital ratio
Well-capitalized 10%
18.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.14%
Texas Ratio
13.26%
Equity Capital
$4M
Profitability metrics: North Side Federal Savings and Loan A…
Return on Assets (ROA)
4th percentile nationally
-0.15%
Return on Equity (ROE)
-1.79%
Efficiency Ratio
105.93%
Income & expense: loss period at North Side Federal Savings and Loan A…
$2M
Interest Income
$84K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. North Side Federal Savings and Loan Association of Chicago reports a Texas Ratio of 13.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at North Side Federal Savings and Loan Association of Chicago
North Side Federal Savings and Loan Association of Chicago's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-63K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at North Side Federal Savings and Loan Association of Chicago up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Illinois by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($43M here), outside Illinois so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) North Side Federal Savings and Loan Association of Chicago (FDIC Cert #29449) - 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.
North Side Federal Savings and Loan Association of Chicago Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |