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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Wisconsin, the state note

North Shore Bank

Brookfield, Wisconsin · $2.61B in assets · beside the 11 other Wisconsin banks between $1B and $3B

The filing

0.10%
NPA / loans
1st of 12
15.3%
Equity / assets
2nd of 12
6.9x
Coverage of noncurrent
2nd of 12

North Shore Bank is the third largest of the 12 Wisconsin banks nearest its size between $1B and $3B, with $2.61B in assets at 30 June 2026. Loans are 95.1% of deposits, 7th of 12 against a median of 94.6%, and equity is 15.3% of assets, 2nd of 12. Loans grew +7.1% in the year, 4th of 12, and deposits grew 3.7%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.10% of the book, the lowest in the cohort against a median of 0.54%; 0.03% is 30 to 89 days past due, and the allowance covers them 6.9 times. Commercial real estate is 45.0% of loans, 6th of 12 against a median of 45.7%, and 250% of capital, below the 300% screen, with construction at 12% against the 100% screen.

Return on assets is 1.01%, 9th of 12 against a median of 1.30%, on an efficiency ratio of 69.9%, 9th of 12. Five years ago it was 0.56%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansWI banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.54% NS North Shore Bank 0.10% PB Park Bank 0.24% WS Waukesha State Bank 0.25% WB Waterstone Bank SSB 0.36% NE National Exchange Bank & Trust 0.37% TC Tri City National Bank 0.51% OC One Community Bank 0.58% NB National Bank of Commerce 0.64% I Incrediblebank 0.89% HB Horicon Bank 0.93% BF Bank Five Nine 1.91% CN Ccfbank National Association 2.28%
Loans, year over yearWI banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% OC One Community Bank +18.2% BF Bank Five Nine +7.7% WS Waukesha State Bank +7.4% NS North Shore Bank +7.1% HB Horicon Bank +6.3% I Incrediblebank +5.6% CN Ccfbank National Association +2.4% PB Park Bank +1.6% NB National Bank of Commerce +1.4% NE National Exchange Bank & Trust +1.1% TC Tri City National Bank +0.6% WB Waterstone Bank SSB +0.5%

SBA 7(a), FY2008 to FY2026

North Shore Bank is the 127th largest 7(a) lender into Wisconsin of 426, with $9M across 32 loans, 0.1% of everything approved in the state (Byline Bank leads with $864M). 8 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Wisconsin, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Brown, WI$3M28th of 850.7%quiet FY2011
Milwaukee, WI$2M77th of 1440.1%quiet FY2022
Waukesha, WI$2M67th of 1220.1%quiet FY2012
Door, WI$1M16th of 301.1%quiet FY2011
Ozaukee, WI$1M33rd of 700.4%thin
Outagamie, WI$350K79th of 910.1%quiet FY2012
Mchenry, IL$205K99th of 1080.0%quiet FY2010
Kenosha, WI$50K68th of 680.0%quiet FY2009
Racine, WI$50K87th of 890.0%quiet FY2008
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction5$3M34.5%0.01%741st of 2,063
Retail trade9$3M30.8%0.00%1003rd of 2,589
Real estate & leasing1$1M12.5%0.01%704th of 1,452
Manufacturing4$643K7.1%0.00%1578th of 2,246
Other services3$520K5.7%0.00%1452nd of 2,248
7(a) lenders into Wisconsin, share of approvals since FY2008426 lenders on record; the ten largest and North Shore Bank
BB Byline Bank 9.3% $864M · 860 loans BF Bank Five Nine 7.9% $733M · 1,782 loans BF Bank First, N.A. 4.7% $437M · 963 loans UB UMB Bank, National Association 3.8% $355M · 672 loans UB U.S. Bank, National Association 3.5% $324M · 1,831 loans NN Nicolet National Bank 3.2% $296M · 741 loans ON Old National Bank 3.0% $279M · 390 loans AB Associated Bank National Associat… 3.0% $278M · 2,089 loans LO Live Oak Banking Company 2.6% $246M · 206 loans SC Summit CU 2.6% $244M · 1,034 loans NS North Shore Bank 0.1% $9M · 32 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, North Shore Bank among them; owner-occupied excluded; bold marks a screen met
North Shore BankRankCohort median
Total CRE against capital, the 300% screen250%6th of 12272%
Construction against capital, the 100% screen12%1st of 1237%
Construction and land development, share of loans2.2%1st of 126.6%
Non-owner-occupied nonfarm nonresidential, share of loans2.5%1st of 1219.6%
Total CRE, the guidance definition, share of loans45.0%6th of 1245.7%
CRE growth over 36 months, the third prong+11.6%4th of 12+15.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
National Exchange Bank & Trust$2.89B1.7%49.4%0.37%-0.07%3.0%75.3%19.8%
One Community Bank$2.63B1.3%52.9%0.58%0.00%1.0%107.8%12.7%
North Shore Bank$2.61B1.0%69.9%0.10%0.02%0.7%95.1%15.3%
Bank Five Nine$2.53B1.3%58.6%1.91%0.03%0.6%97.9%9.6%
Waterstone Bank SSB$2.25B1.3%75.5%0.36%0.00%1.0%124.9%14.7%
National Bank of Commerce$2.23B2.0%51.5%0.64%0.05%1.0%92.9%9.8%
Incrediblebank$2.10B1.1%63.0%0.89%0.11%1.1%89.9%7.7%
Tri City National Bank$1.95B0.8%72.9%0.51%0.04%1.2%66.7%9.7%
Ccfbank National Association$1.81B0.7%60.6%2.28%0.23%1.9%87.6%12.0%
Horicon Bank$1.65B1.4%63.3%0.93%0.01%1.3%96.7%10.3%
Waukesha State Bank$1.62B2.4%55.6%0.25%0.01%0.9%94.0%10.9%
Park Bank$1.54B0.7%71.3%0.24%0.00%1.2%104.8%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
North Shore BankCohort median
20212026Change20212026Change
Loans$1.70B$2.07B+22%$1.11B$1.65B+48%
Deposits$2.07B$2.17B+5%$1.29B$1.76B+37%
NPA / loans0.24%0.10%-0.14 pts0.45%0.54%+0.10 pts
Efficiency82.7%69.9%-12.7 pts57.4%61.8%+4.4 pts
ROA0.56%1.01%+0.46 pts1.36%1.30%-0.06 pts

This read was prepared for North Shore Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on North Shore Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WI banks $1B to $3B
Institution www.northshorebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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