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North Shore Bank
Brookfield, WI·FDIC Cert #28679·Charter: STATE·Est. 19230101.0
Total Assets
$2.6B
Q4 2025
Return on Assets
0.87%
+0.07%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
74.82%
Peer avg: 58.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.87%+0.07
ROE
5.88%+0.45
Efficiency
74.82%-2.17
Equity/Assets
0.00%+0.00
NPL Ratio
0.09%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.99%+1.06
Charge-offs
0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.9 | 0.9 | 0.9 | 0.9 | 0.9 | 0.8 | 0.9 |
| ROE | 6.0 | 6.4 | 6.4 | 6.4 | 6.3 | 6.3 | 5.4 | 5.9 |
| Efficiency | 72.8 | 72.0 | 72.3 | 72.1 | 72.3 | 72.0 | 77.0 | 74.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 91.8 | 92.8 | 92.4 | 90.9 | 92.0 | 91.4 | 89.9 | 91.0 |
Balance Sheet
Total Assets$2.6B
Total Deposits$2.1B
Total Loans$1.9B
Total Equity$386.3M
Profitability
ROA0.87%
ROE5.88%
Efficiency Ratio74.82%
Net Income$22.1M
Risk & Asset Quality
NPL Ratio0.09%
Charge-off Rate0.01%
Loan/Deposit90.99%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans