North Shore Trust and Savings is a savings bank headquartered in Waukegan, Illinois, in business for about 105 years. At the end of Q2 2026 it reported $270.3M in total assets and $201.3M in deposits, with 3 offices.
Based on its Q2 2026 filing, North Shore Trust and Savings scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 124th. Its strongest component is capital cushion (100/100; 25.24%), and its lowest is loan quality (38/100; 1.87%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (81 → 74), mostly because the loan quality component weakened by 55 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 81 |
| Q4 2024 | 85 |
| Q1 2025 | 81 |
| Q2 2025 | 81 |
| Q3 2025 | 83 |
| Q4 2025 | 84 |
| Q1 2026 | 84 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 24.00% |
| Q3 2024 | 23.96% |
| Q4 2024 | 23.53% |
| Q1 2025 | 23.11% |
| Q2 2025 | 23.20% |
| Q3 2025 | 24.11% |
| Q4 2025 | 24.32% |
| Q1 2026 | 24.93% |
| Q2 2026 | 25.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.22% |
| Q2 2026 | 1.87% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.00% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.15% |
| Q1 2025 | -0.09% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $270.3M | 25.24% | 1.87% | 0.90% | 63.5% |
| Q1 2026 | 84 | $270.4M | 24.93% | 0.22% | 0.33% | 63.8% |
| Q4 2025 | 84 | $266.8M | 24.32% | 0.21% | 0.29% | 66.7% |
| Q3 2025 | 83 | $269.9M | 24.11% | 0.21% | 0.17% | 66.3% |
| Q2 2025 | 81 | $276.2M | 23.20% | 0.21% | 0.02% | 64.9% |
| Q1 2025 | 81 | $282.8M | 23.11% | 0.20% | -0.09% | 62.1% |
| Q4 2024 | 85 | $278.9M | 23.53% | 0.00% | 0.15% | 62.4% |
| Q3 2024 | 81 | $268.4M | 23.96% | 0.19% | 0.03% | 68.8% |
| Q2 2024 | 83 | $266.1M | 24.00% | 0.00% | -0.00% | 68.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers and Merchants National Bank of NashvilleBank Nashville, IL | 78 out of 100, Strong | $270.3M | 11.6% | 0.61% | vs |
| Community First Bank of the HeartlandBank Mount Vernon, IL | 76 out of 100, Strong | $266.8M | 10.1% | 0.66% | vs |
| First National Bank of SteelevilleBank Steeleville, IL | 90 out of 100, Very strong | $274.5M | 13.5% | 0.44% | vs |
| First Bank of ManhattanBank Manhattan, IL | 79 out of 100, Strong | $265.9M | 10.2% | 0.00% | vs |
| PeopleFirst BankBank Joliet, IL | 78 out of 100, Strong | $265.6M | 12.3% | 0.13% | vs |
| SouthernTrust BankBank Marion, IL | 47 out of 100, Below average | $278.5M | 10.2% | 2.59% | vs |
Deposit insurance
Is my money safe at North Shore Trust and Savings?
Yes. North Shore Trust and Savings is an FDIC-insured institution (FDIC certificate #27683). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.9% of deposits ($30.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 25.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
North Shore Trust and Savings lists 3 offices in 2 cities. Most locations:
- Waukegan, IL (2)
- Lindenhurst, IL (1)
HMDA 2025
Mortgage lending
In 2025, North Shore Trust and Savings reported 476 home-loan applications under HMDA (LEI 549300WIE2SKOKI8PF63): 294 originated ($95,870,000 total), 34 denied, and 128 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- North Shore Trust and Savings
- Former names
- North Shore Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 27683
- RSSD ID
- 775773
- Primary regulator
- OCC
- Holding company
- Nsts Bcorp Inc
- Established
- January 1, 1921
- Headquarters
- 700 S Lewis Ave, Waukegan, IL 60085
- Website
- www.northshoretrust.com
- Employees
- 36
Quick answers
North Shore Trust and Savings: common questions
Is North Shore Trust and Savings FDIC insured?
Yes. North Shore Trust and Savings is an FDIC-insured institution (FDIC certificate #27683). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is North Shore Trust and Savings's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has North Shore Trust and Savings ever failed?
There is no failure record for FDIC certificate #27683 in the FDIC failed bank list.
How many branches does North Shore Trust and Savings have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Waukegan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Abbott Laboratories Credit UnionCredit union Gurnee, IL | 89 out of 100, Very strong | $1.1B | 14.5% | 0.11% | vs |
| Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL | 86 out of 100, Very strong | $41.4M | 13.7% | 0.09% | vs |
| North Shore BankBank Brookfield, WI | 84 out of 100, Strong | $2.6B | 14.4% | 0.10% | vs |
| A.A.E.C. Credit UnionCredit union Arlington Heigh, IL | 84 out of 100, Strong | $118.9M | 13.0% | 0.02% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Florida Customs Federal Credit UnionCredit union Tampa, FL | 83 out of 100, Strong | $6.8M | 26.8% | 0.40% | vs |