North Shore Trust and Savings
Waukegan, IL
IDRSSD: 775773
Total Assets
$269.92M
Latest filing
Total Deposits
$203.67M
Latest filing
Net Interest Margin
3.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
North Shore Trust and Savings
700 S Lewis Ave
Waukegan, IL 60085
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1921FDIC Certificate 40517
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| North Shore Trust and Savings (Main) | 700 S Lewis Ave | Waukegan, IL |
| WAUKEGAN BRANCH | 1233 N Green Bay Rd | Waukegan, IL |
| SAND LAKE BRANCH | 3060 W Sand Lake Rd | Lindenhurst, IL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60085 |
| State and County Number | 17097 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.northshoretrust.com |
| Data Updated | 11/14/2025 |
| CERT | 27683 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $269.92M |
| Total Deposits | $203.67M |
| Total Liabilities | $210.47M |
| Total Equity Capital | $59.45M |
| Net Income | $317.00k |
| Net Loans and Leases | $135.04M |
| Assets Per Employee ($Millions) | $5.4M |
| Bank Premises and Fixed Assets | $5.18M |
| Cash and Balances due from Depository Institutions | $35.38M |
| Deposits Held in Domestic Offices | $203.67M |
Key Performance Ratios
| Return on Assets (ROA) | 0.46% |
| Return on Equity (ROE) | 2.16% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 89.21% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 22.027% |
| Earning Assets to total Assets | 92.27% |
Income and Expense
| Total Interest Income | $2.83M |
| Total Noninterest Income | $561.00k |
| Total Interest Expense | $911.00k |
| Total Noninterest Expense | $2.21M |
| Net Interest Income | $1.91M |
| Pre-tax Net Operating Income | $317.00k |
| Provision for Credit Losses | $-50,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.87M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.93M |
| Total Liabilities and Capital | $269.92M |
Securities
| Securities | $79.56M |
| Available-for-sale debt securities | $79.56M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of North Shore Trust and Savings?
$269.92M as of the latest filing.
How much are North Shore Trust and Savings's total deposits?
$203.67M in total deposits.
Where is North Shore Trust and Savings located?
Waukegan, IL.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1921.
What is the Return on Assets (ROA)?
0.46%.
How much are total loans and leases?
$135.04M (latest filing).
What is the total interest income (latest filing)?
$2.83M.