# NORTH SHORE BANK
BROOKFIELD, WI · FDIC certificate 28679 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.61B | |
| Deposits | $2.17B | |
| Loans and leases | $2.07B | |
| Total equity | $399.5M | |
| Loans / deposits | 94.46% (p73 of band) | 87.10% |
| Liquid assets / assets | 16.56% (p30 of band) | |
| Uninsured deposits / deposits | 11.80% (p6 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.45% (p91 of band) | 10.50% |
| Unrealized securities loss / equity | -1.43% (p84 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.02% (p32 of band) | 1.26% |
| Net interest margin | 3.94% (p65 of band) | 3.70% |
| Efficiency ratio | 69.75% (p79 of band) | |
| Noncurrent loans | 0.10% (p13 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 688.74% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 11.45% (p11 of band) | |
| Auto loans | $1.9M (0.09% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 415 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, securities losses >30% of equity, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | expense ratio p90 |
| 2011-09 | 6 | capital falling, losing money, expense ratio p90, charge-offs p90 | loans exceed deposits |
| 2011-12 | 3 |  | capital falling, expense ratio p90, charge-offs p90 |
| 2012-03 | 2 | expense ratio p90 | securities losses >30% of equity, losing money |
| 2012-06 | 2 | assets shrinking | expense ratio p90 |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | expense ratio p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | expense ratio p90 |
| 2019-09 | 1 | expense ratio p90 |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 3 | uninsured deposits leaving |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 1 |  | uninsured deposits leaving, capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | expense ratio p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-20 [Brookfield police investigate North Shore Bank robbery; picture of suspect provided - WISN](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVURRX3M5WkhoOFdQbmJFNTV6X2RpRElydTJyZ1NQQktPOWVkcnBfTU04c3kxa1lXRmhDOXJZZHZkb0NrV0tlM2cwZWlleWcyTlNOOGQwYVoySk9KTHh5MDF1LUgyTy11YU05Z2pTSlpMNG9SRzZQWUl1NzBTRnlBbm5CcF9VVWI4cVFZSjlJekJfcEtuTlpxcFNwU2VPclN3S0pYcThB?oc=5) · WISN
- 2026-06-18 [NORTH SHORE BANK AND 1895 BANCORP OF WISCONSIN ENTER AGREEMENT FOR NORTH SHORE TO ACQUIRE 1895 BANCORP AND PYRAMAX BANK - EIN Presswire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNSzBVTHRudEVVUDRuTUhRMGJqb016eFk2NUM1OU1fSXJFWkkxLUZwajBBRklhb3V2bmpkM08yNHNGX2xBNnRISWQzbmpNeER2SVJuQlVuUzk5MkpTMVQ1S1kwWXZsR0ZMNmk3Q1V3dGY1U1dsZFlhMkxtQUFGekVHSXpWdlF1MzBRQ2gxQ2xOeVpFeERKVkdQMDQwQW45Y2NlS1h3SmJTRjNZc2VXNGtCY1BLUW45WEZRN25FS2JNaWl0Q3ppVGtzQVZpZkw4NVREZGd6SF93ZXI4N0prTXZLbnNrUm9YRUUxaXNWQjQ1cEZPdEFnWXlvUnBR?oc=5) · EIN Presswire
- 2026-08-21 [Brookfield Police search for bank robbery suspect - WTMJ](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNVWtzdDFYRmZTMTZ1VmhzcWJXU0o5Q2tkaS1YenpHNlZKaWNtUXJUTHd1bHhMNzlTQXU3TUdKUVNiTDNXUmhVZDRpZHUxMVNtYXlBT0N1d1Nxc1JtNzJ0WERzUmRURVFKblEwY3JmTGp5VGNZdzRNRDNicXg1QS10bHZxUUNQeVJPbU84?oc=5) · WTMJ
- 2026-08-21 [Brookfield police search for North Shore Bank robbery suspect - TMJ4 News](https://news.google.com/rss/articles/CBMizAFBVV95cUxPREJRVWc4ZTFINEI3dVBzU2VaeVFSc2NzWjYzOGxKRXI4U2FpOGpWVXlQYk9ObG1HdzcwMkhoMml0VkZNR3U4TzJPNEhEYjJHcU56bmIwZUl5ZVZadkZKN3dtNDhDRFBSX0lCWWdwanY1TUhDeHA1ZFFsOEkteGx0SkNDVkh4VmZ4Rk5Ia1VNc2E3dzJZa0NTc1luVzd6dHQyNlpaUkU1b0FrYVZrUVhJMFhZY091U3JKSWR3eHNMZVVGb0tpRFpZYW5INlQ?oc=5) · TMJ4 News
- 2026-04-17 [North Shore Bank Advances Next Generation of Leadership While Honoring Decades of Service in Northeast Wisconsin - Urban Milwaukee](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNcll1NnFLZnVkOG9fMVc5a2ZrUWFITTZIRUZpLU9OMElvMWhNc20zbmhlNXJMNUlzSEZIanptV0t4VGp6QTJZdWRvMDRjUUw0X3BDUV9DdUkxeE1iRVdQZWZWRXNRN0dXQk5ldzhqNV9SbHFuYkQ3dVNPa3JENlV1SDhMemttSS1ZdTZRaE5QN3p2bEllWldoWUg0aGtXQlRZZ19kNUk1aC0xcHRWdEZ4MU45c05JcDc4LVMybEktNzlObDFxajhaN2I0LXJIWEhkcHhWLXNIVjRFbzRwLXo0R3NvWFR5YkR5?oc=5) · Urban Milwaukee
- 2026-01-28 [Post From Community: North Shore Bank and YWCA of Southeast Wisconsin (SEW) join forces to offer access to financial services with new in-house branch - Milwaukee Neighborhood News Service](https://news.google.com/rss/articles/CBMikgJBVV95cUxPWGZWbEQ4eHd1NlFjc2ltcEdSaTZuLVJtUTFjTWt5QTBkaUMzektVWUtITFZ6dnFZLW9rSmZZUmx6TVk2d0FkRnhKcmw0MkRBbU9mc3BtSF9vUWtQb0N3QzRqNV95Mk0yV2FrTE9QRmkya0s2T2h1UnUxdWtWYUlMVXBHLWVqckFhbi1YMl9pNGNGSXpLWXg3NlVLRE8xcnM4M2duNC1SSlJlczlPNkFuS2pjOER4allIQlVCaURMMG5KdnB3OUxPQ2h5b1JxNEVLWENJZ2J5bDdwbVBoMkM0TDhmUEVxUDNhT05VclNBLVdWQWNSb01MaTA3NjRXVDFUWUFkZU52VWVBVVVmNkJLalJ3?oc=5) · Milwaukee Neighborhood News Service
- 2026-02-18 [Brewers Hill North Shore Bank to move across the street to YWCA - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOclp3RGpQLUktZm9hWlZndEhPenVrLW16R09uU2VwSUltNFZoVW94cFJEQjJyT2N5cFFNZUFLWFpQdlNCaWw5bUU0ZnV5TzJyUENld3FHRE80TnZfVG9FTHpGS2RId1JIbGpVZjQ4cUJHOUM4RHpESzJIc2lkZzRDVUp2V01Lem5wYWJxeHdKUGNIMHBQQ3oydHlBV05Pci03QnpaTUVFeW1HRzVPbXVFQXhVMTM5V1lUQ3NvTDNzWTl6WDdOc1VFSS1RX3Z4clZxZVY5aHpIUlI2QzZtUXB2V3BiMnRYR2ll?oc=5) · Milwaukee Journal Sentinel
- 2026-06-18 [North Shore Bank acquiring local competitor in $100 million deal - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMijgFBVV95cUxOcnhvZDFpOTJHTktleV93cEc2UUVfTFBnTmc4VEVua3FBNXBhU2IxQ0VaUUFtUVhiR3RwTjdxSHlTM0ZiMkZxVUMzd3BkUWpMNEZEc05QT2NWN3pNWE5oSVpXeVAzeXM2QkMtX2hlNVgtTXkzQnh0TUxLUUZFZF9nMXBEMWFyWUZOVlo5b0xn?oc=5) · BizTimes - Milwaukee Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28679 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "28679", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide