Side-by-side · Q2 2026 data
North Shore Trust and Savings vs PeopleFirst Bank
Metric by metric
| Measure | North Shore Trust and Savings | PeopleFirst Bank |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 38 | 96 (stronger) |
| Earnings | 56 | 66 (stronger) |
| Funding & liquidity | 97 (stronger) | 59 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $270.3M | $265.6M |
| Deposits / shares | $201.3M | $211.1M |
| Capital ratio | 25.24% (stronger) | 12.35% |
| Problem loans | 1.87% | 0.13% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.90% | 1.14% (stronger) |
| Loans ÷ deposits | 63.5% (stronger) | 86.5% |
| Uninsured deposits | 14.9% (stronger) | 28.4% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | — |
PeopleFirst Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), North Shore Trust and Savings leads on 4 and PeopleFirst Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.