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15700 West Bluemound Road
Brookfield, WI 53005

North Shore Bank, FSB is headquartered in Brookfield and is the 7th largest bank in the state of Wisconsin. It is also the 395th largest bank in the nation. It was established in 1923 and as of December of 2013, it had grown to 473 employees at 49 locations. North Shore Bank, FSB has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 North Shore Bank, FSB had $53.25 million in non-current loans and owned real-estate with $230.89 million in equity and loan loss allowances on hand to cover it. This gives North Shore Bank, FSB a Texas Ratio of 23.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for North Shore Bank, FSB experienced no significant changes from 23.23% as of December 31, 2012 to 23.06% as of December 31, 2013, resulting in a positive change of 0.69%.This indicates that the balance sheet and financial strength for North Shore Bank, FSB has had no significant changes in recent periods.

Deposit Growth


In the past year, North Shore Bank, FSB has increased its total deposits by $40.88 million, resulting in 2.94% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth North Shore Bank, FSB has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. North Shore Bank, FSB has $1.78 billion in assets with $230.89 million in equity, resulting in a capitalization level of 12.99%, which is excellent.

Institution Statistics

FDIC Certificate #28679
Year Established1923
Primary RegulatorOCC
Assets and Liabilities
Assets$1.78 billion
Loans$1.30 billion
Deposits$1.43 billion
Equity Capital$217.77 million
Loan Loss Allowance$13.12 million
Unbacked Noncurrent Loans$34.73 million
Real Estate Owned$18.52 million
Historic Data - December 2012
Assets$1.76 billion
Equity Capital$207.00 million
Loan Loss Allowance$15.19 million
Unbacked Noncurrent Loans$34.73 million
Real Estate Owned$19.79 million
Profit Margin - Quarterly
Net Interest Margin3.57%
Return on Assets0.27%
Return on Equity2.27%
Interest Income$65.81 million

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North Shore Bank, FSB Savings Account Rates

0.15%$1k-High Yield Savings
0.12%$25k-Individual Portfolio Account
0.05%--Statement Savings

North Shore Bank, FSB Money Market Rates

0.15%$50k-Perks Money Market Account
0.12%$25k-Portfolio Money Market
0.05%--Money Market Account

North Shore Bank, FSB Checking Account Rates

0.01%--Perks Checking
0.01%--Perks PrimeTime Checking
0.01%--Perks Platinum Checking

North Shore Bank, FSB CD Rates

0.75%$1k-5 Year CD
0.55%$1k-4 Year CD
0.35%$1k-3 Year CD
0.25%$1k-2 Year CD
0.17%$1k-1 1/2 Year CD
0.15%$1k-1 Year CD
0.10%$1k-6 Month CD
0.05%$1k-91 Day CD
0.05%$50-2 1/2 Year Homeownership CD

North Shore Bank, FSB IRA Rates

0.75%$1k-5 Year IRA CD
0.55%$1k-4 Year IRA CD
0.35%$1k-3 Year IRA CD
0.25%$1k-2 Year IRA CD
0.17%$1k-1 1/2 Year IRA CD
0.15%$1k-1 Year IRA CD

North Shore Bank, FSB has 48 locations. Click to view all North Shore Bank, FSB locations.