North Shore Bank, FSB

15700 West Bluemound Road
Brookfield, WI 53005

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28679
Date Established 1923
Assets $1.95 billion
Loans $1.58 billion
Deposits $1.68 billion
Capital $0.24 billion

North Shore Bank, FSB is an FDIC insured institution located in Brookfield, WI. It was founded in 1923 and has approximately $1.95 billion in assets. Customers can open an account at one of its 51 branches.

For a more detailed analysis of North Shore Bank, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in North Shore Bank, FSB’s loan portfolio are Multifamily Mortgages, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Wisconsin, North Shore Bank, FSB has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.02
Multifamily
Mortgages
33.29
Credit Card Loans 0.00
Consumer Auto Loans 0.11
Small Business Loans 2.72
Construction and Development Loans 2.28
Commercial Real Estate 7.32
Commercial and Industrial Loans 1.85
Farm Loans 0.00

Deposit Rates - February 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.07% $1 - Learn MoreShow Less
Premium Money Market Account
0.20% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.40% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 - Learn MoreShow Less
6 Mo CD
0.10% $1,000 - Learn MoreShow Less
Special: 11 Mo CD
2.40% $5,000 - Learn MoreShow Less
12 Mo CD
0.20% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
2.50% $5,000 - Learn MoreShow Less
18 Mo CD
0.20% $1,000 - Learn MoreShow Less
Special: 23 Mo CD
2.75% $5,000 - Learn MoreShow Less
24 Mo CD
0.35% $1,000 - Learn MoreShow Less
36 Mo CD
0.45% $1,000 - Learn MoreShow Less
48 Mo CD
0.50% $1,000 - Learn MoreShow Less
60 Mo CD
0.75% $1,000 - Learn MoreShow Less
Special: 60 Mo CD
3.00% $5,000 - Learn MoreShow Less
Special: 120 Mo CD
3.05% $5,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.20% $1,000 - Learn MoreShow Less
Special: 11 Mo FIRA
2.40% $5,000 - Learn MoreShow Less
Special: 15 Mo FIRA
2.50% $5,000 - Learn MoreShow Less
Special: 23 Mo FIRA
2.75% $5,000 - Learn MoreShow Less
Special: 60 Mo FIRA
3.00% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.06% $1 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $4,999 Learn MoreShow Less

Loan Rates - February 23, 2019

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

North Shore Bank, FSB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


North Shore Bank, FSB Locations


Financial Details

North Shore Bank, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of North Shore Bank, FSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
North Shore Bank, FSB U.S. Bank Average
5.31% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, North Shore Bank, FSB had $8,466,000 in non-current loans and $5,244,000 in owned real estate. To cover these potential losses it had $244,987,000 in equity and $13,124,000 in loans loss reserves. That gives it a Texas Ratio of 5.31%.

Return on Equity
North Shore Bank, FSB U.S. Bank Average
5.25% 9.95%

North Shore Bank, FSB has a Return on Equity of 5.25% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
North Shore Bank, FSB U.S. Bank Average
12.54% 12.19%

North Shore Bank, FSB has a Capitalization of 12.54% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

North Shore Bank, FSB Balance Sheet Analysis

As of September 30, 2018, North Shore Bank, FSB had assets of $1,953,139,000, loans of $1,575,292,000, and deposits of $1,676,018,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.16 billion
Interest-bearing balances $0.14 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.58 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.03 billion
All other assets $0.02 billion
     Total Assets $1.71 billion
LIABILITIES
Total deposits $1.68 billion
      Interest-bearing deposits $1.44 billion
      Deposits held in domestic offices $1.68 billion
      % insured (estimated) 87.28%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.03 billion
      Total Liabilities $1.71 billion
      Shareholders’ Equity $0.24 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.05 billion
Total Interest Expense $0.01 billion
Net interest income $0.05 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.05 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About North Shore Bank, Fsb

Branches and Savings

Is North Shore Bank, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #28679.

Why does North Shore Bank, Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are North Shore Bank, Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is North Shore Bank, Fsb a commercial bank?

Yes

Where are North Shore Bank, Fsb locations?

See branch locations nearby.

Is North Shore Bank, Fsb open on Saturdays?

Is North Shore Bank, Fsb open on Sundays?

What time does North Shore Bank, Fsb open?

What time does North Shore Bank, Fsb close?

Are North Shore Bank, Fsb ATMs Open 24/7?

Do North Shore Bank, Fsb ATMs accept cash deposits?

Can North Shore Bank, Fsb customers use other ATMs?

Do North Shore Bank, Fsb branches have notaries?

Will North Shore Bank, Fsb notarize my document?

What address for North Shore Bank, Fsb should I put for incoming ACH transfers?

Will the North Shore Bank, Fsb branch print checks?

Do North Shore Bank, Fsb checks expire?

Does North Shore Bank, Fsb require US citizenship to open account?

Can North Shore Bank, Fsb close my account?

Does North Shore Bank, Fsb Report to credit bureaus?

Does North Shore Bank, Fsb Use Equifax?

What is North Shore Bank, Fsb's ACH Routing Number?

What is North Shore Bank, Fsb's SWIFT code?

Products

Does North Shore Bank, Fsb offer mortgages?

Compare mortgage rates here.

Does North Shore Bank, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does North Shore Bank, Fsb offer personal loans?

Compare personal loan rates here.

Does North Shore Bank, Fsb offer student loans?

Will North Shore Bank, Fsb cash a check?

Will North Shore Bank, Fsb redeem a savings bond?

Does North Shore Bank, Fsb cash savings bonds?

Will North Shore Bank, Fsb cash money orders?

Can North Shore Bank, Fsb issue a money order?

Does North Shore Bank, Fsb do currency exchange?

Background on The Bank

Who owns North Shore Bank, Fsb?

How long has North Shore Bank, Fsb been around?

Can North Shore Bank, Fsb transfer to other banks?

Does North Shore Bank, Fsb have quick pay?

Does North Shore Bank, Fsb accept rolled coins?

Will North Shore Bank, Fsb accept loose change?

Where is North Shore Bank, Fsb headquarters?

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