North Shore Bank Fsb Mortgage Rates, Fees & Info

Brookfield, WI

LEI: 254900PST6LLDPCKSN83

Tax ID: 39-0506400

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    North Shore Bank Fsb is a smaller bank specializing in Refi and Home Purchase loans. North Shore Bank Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, Green Bay, Racine, Appleton, and Chicago among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)

    North Shore Bank Fsb has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. North Shore Bank Fsb is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.56% 11/21/24
    30 Year Conventional Purchase 6.56% 11/21/24
    30 Year Conventional Refi 6.42% 11/21/24
    30 Year Cash-out Refi 6.66% 11/21/24
    30 Year VA Purchase 6.20% 11/21/24
    15 Year Conventional Purchase 5.98% 11/21/24
    15 Year Conventional Refi 6.12% 11/21/24
    15 Year Cash-out Refi 6.12% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    North Shore Bank Fsb Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from North Shore Bank Fsb. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,967

    Origination Dollar Volume (All Markets)

    $471,165,000

    Employee count

    489 Show all (8) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 994 $215,830,000 $217,133 $1,751 3.45%
    Outside of Metro Areas 186 $65,590,000 $352,634 $1,932 3.41%
    GREEN BAY, WI (FHA|USDA|VA) 253 $40,785,000 $161,206 $1,467 3.45%
    RACINE, WI (FHA|USDA|VA) 192 $27,360,000 $142,500 $1,754 3.59%
    APPLETON, WI (FHA|USDA|VA) 99 $25,195,000 $254,495 $1,609 3.50%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 118 $19,290,000 $163,475 $1,877 3.58%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 34 $15,280,000 $449,412 $1,619 3.51%
    MADISON, WI (FHA|USDA|VA) 8 $11,250,000 $1,406,250 $1,837 3.41%
    SHEBOYGAN, WI (FHA|USDA|VA) 6 $10,380,000 $1,730,000 $2,019 3.33%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $9,600,000 $2,400,000 $1,625 3.35%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $8,165,000 $8,165,000 $0 3.25%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 12 $5,460,000 $455,000 $1,976 3.50%
    Shawano, WI (FHA|USDA|VA) 18 $4,550,000 $252,778 $1,668 3.44%
    Whitewater, WI (FHA|USDA|VA) 18 $4,340,000 $241,111 $1,846 3.35%
    FOND DU LAC, WI (FHA|USDA|VA) 3 $2,565,000 $855,000 $1,718 3.00%
    Stevens Point, WI (FHA|USDA|VA) 2 $2,520,000 $1,260,000 $2,080 2.94%
    Marinette, WI-MI (FHA|USDA|VA) 5 $715,000 $143,000 $1,766 3.08%
    Beaver Dam, WI (FHA|USDA|VA) 5 $605,000 $121,000 $2,212 3.90%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $465,000 $465,000 $1,275 2.63%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $410,000 $205,000 $1,512 3.38%
    ROCKFORD, IL (FHA|USDA|VA) 1 $275,000 $275,000 $1,977 3.75%
    Manitowoc, WI (FHA|USDA|VA) 2 $190,000 $95,000 $1,295 3.31%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $175,000 $175,000 $1,630 2.88%
    Iron Mountain, MI-WI (FHA|USDA|VA) 2 $170,000 $85,000 $1,666 3.56%
    North Shore Bank Fsb's top markets include Milwaukee, Green Bay, Racine, Appleton, and Chicago among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against North Shore Bank FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Bank of Kaukauna
    Similarity Rank: 112
    Liberty Bank for Savings
    Similarity Rank: 312
    Glenview State Bank
    Similarity Rank: 312
    Hometown Bank
    Similarity Rank: 432
    Empower Credit Union
    Similarity Rank: 459
    The Greenwood's State Bank
    Similarity Rank: 540
    Range Bank
    Similarity Rank: 580
    UNISON CREDIT UNION
    Similarity Rank: 595
    Westbury Bank
    Similarity Rank: 612
    CROWN MORTGAGE COMPANY
    Similarity Rank: 627

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,411 $423,545,000 $300,174 $1,726 3.17%
    HELOC 555 $47,355,000 $85,324 n/a 4.22%
    VA 1 $265,000 $265,000 $9,931 2.88%

    For 2020, North Shore Bank Fsb's most frequently originated type of loan was Conventional, with 1,411 originations. Their 2nd most popular type was HELOC, with 555 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 933 $195,375,000 $209,405 $1,526 3.33%
    Home Purchase 387 $185,375,000 $479,005 $2,065 3.44%
    Cash Out Refi 348 $68,360,000 $196,437 $1,847 3.24%
    Other 188 $12,060,000 $64,149 $0 4.28%
    Home Improvement 111 $9,995,000 $90,045 $1,660 4.10%

    For 2020, North Shore Bank Fsb's most frequently cited loan purpose was Refi, with 933 originations. The 2nd most popular reason was Home Purchase, with 387 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 775 $166,145,000 $214,381 $1,823 3.38%
    10 Year 607 $161,045,000 $265,313 $1,803 4.15%
    15 Year 482 $93,350,000 $193,672 $1,580 2.78%
    20 Year 82 $15,710,000 $191,585 $1,750 3.24%
    Other 17 $33,235,000 $1,955,000 $1,908 3.28%
    5 Year 2 $630,000 $315,000 $0 4.75%
    3 Year 1 $765,000 $765,000 $0 4.25%
    30+ year 1 $285,000 $285,000 $2,534 3.38%

    For 2020, North Shore Bank Fsb's most frequently cited loan duration was 30 Year, with 775 originations. The 2nd most popular length was 10 Year, with 607 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,227 $253,715,000 $206,777
    $1k-2k 53 $12,885,000 $243,113
    $2k-3k 17 $3,045,000 $179,118
    $3k-4k 9 $2,395,000 $266,111
    $5k+ 4 $1,430,000 $357,500
    $4k-5k 3 $725,000 $241,667

    North Shore Bank Fsb's average total fees were $1,823, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,227 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,234 $342,220,000 $277,326
    2.5-3% 475 $95,965,000 $202,032
    4-5% 164 $15,510,000 $94,573
    <2.5% 81 $17,095,000 $211,049
    5-6% 12 $190,000 $15,833

    During 2020, North Shore Bank Fsb's average interest rate for loans was 3.38%, while their most frequently originated rate bucket for loans was 3-4%, with 1,234 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 785 $111,385,000 $141,892 $1,646 3.40%
    $100,000 or less 529 $31,705,000 $59,934 $1,586 3.86%
    $200k-400k 518 $139,050,000 $268,436 $1,809 3.19%
    $400k-600k 81 $37,895,000 $467,840 $2,072 3.36%
    $1MM+ 35 $137,265,000 $3,921,857 $2,960 3.49%
    $600k-1MM 19 $13,865,000 $729,737 $2,527 3.27%

    2020 saw North Shore Bank Fsb place emphasis on $100k-200k loans with 785 originations, totaling $111,385,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 460 $61,110,000 $132,848 $1,716 3.48%
    $100k-150k 438 $85,700,000 $195,662 $1,795 3.43%
    $75k-100k 368 $58,560,000 $159,130 $1,689 3.51%
    $50k or less 287 $28,055,000 $97,753 $1,705 3.53%
    $150k-250k 253 $58,115,000 $229,704 $1,685 3.43%
    $250k+ 102 $33,980,000 $333,137 $1,887 3.32%

    North Shore Bank Fsb lent most frequently to those with incomes in the $50k-75k range, with 460 originations. The second most popular income band? $100k-150k, with 438 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 541 $88,275,000 $163,170 $1,676 3.46%
    30-36% 382 $68,060,000 $178,168 $1,737 3.39%
    <20% 253 $44,675,000 $176,581 $1,609 3.37%
    44% 76 $8,820,000 $116,053 $1,882 3.79%
    43% 69 $11,075,000 $160,507 $1,871 3.69%
    40% 68 $11,320,000 $166,471 $1,713 3.53%
    37% 63 $8,685,000 $137,857 $1,580 3.60%
    38% 62 $9,470,000 $152,742 $1,774 3.56%
    41% 59 $9,805,000 $166,186 $1,735 3.52%
    42% 54 $9,190,000 $170,185 $1,714 3.54%
    39% 49 $9,305,000 $189,898 $1,828 3.57%
    36% 46 $8,540,000 $185,652 $1,879 3.50%
    45% 38 $7,340,000 $193,158 $2,142 3.61%
    47% 37 $7,045,000 $190,405 $1,729 3.34%
    46% 30 $4,720,000 $157,333 $1,879 3.49%
    49% 29 $4,625,000 $159,483 $1,812 3.24%
    48% 28 $6,440,000 $230,000 $1,793 3.21%
    50-60% 17 $4,905,000 $288,529 $2,225 3.46%
    >60% 9 $2,945,000 $327,222 $2,341 3.29%

    North Shore Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 541 originations. The next most common DTI ratio? 30-36%, with 382 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,790 $311,480,000 $174,011 $1,735 3.47%
    Not applicable 44 $137,000,000 $3,113,636 $0 3.66%
    Not provided 90 $16,560,000 $184,000 $1,579 3.31%
    Asian 16 $3,240,000 $202,500 $2,006 3.25%
    Black 20 $1,890,000 $94,500 $2,255 3.65%
    American Indian 3 $505,000 $168,333 $1,603 2.92%
    Vietnamese 2 $270,000 $135,000 $1,481 3.56%
    Native Hawaiian or Islander 1 $115,000 $115,000 $1,610 3.75%
    Other Asian 1 $105,000 $105,000 $1,085 3.13%

    Approval Rates

    Total approvals of all applications
    81.99%

    North Shore Bank Fsb has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.04%

    North Shore Bank Fsb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,967 $471,165,000 $239,535

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 45 $143,085,000 $3,179,667
    Single Family (1-4 Units):Site-Built 1,922 $328,080,000 $170,697

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 287 $33,405,000 $116,394 $1,580 3.72%
    40-60% 460 $88,390,000 $192,152 $1,559 3.27%
    60-80% 756 $263,570,000 $348,638 $1,743 3.32%
    80-100% 251 $73,835,000 $294,163 $1,993 3.41%
    Over 100% 2 $670,000 $335,000 $6,152 3.19%
    Under 20% 202 $9,690,000 $47,970 $1,556 4.22%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    NORTHWEST BANCSHARES INC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    NORTHWEST BANCSHARES INC Conventional home mortgage Trouble during payment process 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    North Shore Bank, FSB 116 S Pine St Burlington, WI 53105 Full Service B&M $32,973
    North Shore Bank, FSB 10533 West National Avenue West Allis, WI 53227 Full Service B&M $37,545
    North Shore Bank, FSB 10806 N. Port Washington Road Mequon, WI 53092 Full Service Retail $45,872
    North Shore Bank, FSB 1100 W Northland Avenue Appleton, WI 54914 Full Service B&M $45,637
    North Shore Bank, FSB 1101 Main Street Union Grove, WI 53182 Full Service B&M $28,834
    North Shore Bank, FSB 120 W Wisconsin Ave Pewaukee, WI 53072 Full Service B&M $71,005
    North Shore Bank, FSB 1301 Pyott Road Lake In The Hills, IL 60102 Full Service B&M $16,670
    North Shore Bank, FSB 1320 West Burnham Milwaukee, WI 53204 Full Service B&M $18,177
    North Shore Bank, FSB 1500 Appleton Rd. Menasha, WI 54952 Full Service Retail $26,656
    North Shore Bank, FSB 15505 West National Avenue New Berlin, WI 53151 Full Service B&M $61,940
    North Shore Bank, FSB 15700 West Bluemound Rd Brookfield, WI 53005 Full Service Cyber Office $3,930
    North Shore Bank, FSB 15700 West Bluemound Road Brookfield, WI 53005 Full Service B&M $202,393
    North Shore Bank, FSB 15830 W. Capitol Dr. Brookfield, WI 53005 Full Service B&M $84,004
    North Shore Bank, FSB 1620 W Mason St Green Bay, WI 54303 Full Service Retail $18,502
    North Shore Bank, FSB 165 N Saint Augustine St Pulaski, WI 54162 Full Service B&M $37,282
    North Shore Bank, FSB 1689 Curran Road Mchenry, IL 60051 Full Service B&M $19,685
    North Shore Bank, FSB 1819 Main Street Green Bay, WI 54302 Full Service B&M $25,151
    North Shore Bank, FSB 1900 N Martin Luther King Dr Milwaukee, WI 53212 Full Service B&M $19,848
    North Shore Bank, FSB 2215 S Oneida St Green Bay, WI 54307 Full Service B&M $20,918
    North Shore Bank, FSB 225 N Fifth Ave Sturgeon Bay, WI 54235 Full Service B&M $66,712
    North Shore Bank, FSB 2300 South Webster Avenue Green Bay, WI 54301 Full Service B&M $33,337
    North Shore Bank, FSB 2301 Wisconsin Ave Grafton, WI 53024 Full Service B&M $42,425
    North Shore Bank, FSB 2465 Lineville Road, Suite 2 Green Bay, WI 54313 Full Service B&M $39,274
    North Shore Bank, FSB 2614 S. Bay Shore Dr. Sister Bay, WI 54234 Full Service B&M $25,268
    North Shore Bank, FSB 3233 East Layton Avenue Cudahy, WI 53110 Full Service B&M $26,979
    North Shore Bank, FSB 3911 N Main St Racine, WI 53402 Full Service B&M $33,883
    North Shore Bank, FSB 3970 North Oakland Avenue Milwaukee, WI 53211 Full Service B&M $0
    North Shore Bank, FSB 403 West Silver Spring Drive Glendale, WI 53217 Full Service B&M $30,502
    North Shore Bank, FSB 4230 West Oklahoma Avenue Milwaukee, WI 53215 Full Service B&M $44,014
    North Shore Bank, FSB 4414 N Oakland Ave Shorewood, WI 53211 Full Service B&M $113,574
    North Shore Bank, FSB 4923 Washington Ave Racine, WI 53406 Full Service B&M $48,683
    North Shore Bank, FSB 510 E. Pleasant St. Milwaukee, WI 53202 Full Service B&M $0
    North Shore Bank, FSB 5101 S 76th St Greendale, WI 53129 Full Service B&M $49,489
    North Shore Bank, FSB 5117 Green Bay Road Kenosha, WI 53144 Full Service B&M $31,409
    North Shore Bank, FSB 5723 Durand Ave. Racine, WI 53406 Full Service B&M $28,359
    North Shore Bank, FSB 5817 West Forest Home Avenue Milwaukee, WI 53220 Full Service B&M $29,119
    North Shore Bank, FSB 5850 Broad Street Greendale, WI 53129 Full Service B&M $50,979
    North Shore Bank, FSB 600 East Green Tree Road Fox Point, WI 53217 Full Service B&M $65,913
    North Shore Bank, FSB 6906 Green Bay Rd Kenosha, WI 53142 Full Service B&M $24,654
    North Shore Bank, FSB 7151 S 76th St Franklin, WI 53132 Full Service B&M $40,497
    North Shore Bank, FSB 7927 West Capitol Drive Milwaukee, WI 53222 Full Service B&M $31,851
    North Shore Bank, FSB 8056 39th Avenue Kenosha, WI 53142 Full Service B&M $12,104
    North Shore Bank, FSB 8701 South Howell Avenue Oak Creek, WI 53154 Full Service B&M $42,303
    North Shore Bank, FSB 8706 W North Ave Wauwatosa, WI 53226 Full Service B&M $57,454
    North Shore Bank, FSB 9131 W Oklahoma Ave Milwaukee, WI 53227 Full Service B&M $58,353
    North Shore Bank, FSB S74 W17095 Janesville Road Muskego, WI 53150 Full Service B&M $40,501
    North Shore Bank, FSB W249n6600 Highway 164 Sussex, WI 53089 Full Service B&M $36,332

    For 2020, North Shore Bank Fsb had 47 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $76,856
    Net interest income $66,093
    Total noninterest income $21,318
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,835
    Trading account gains and fees $0
    Additional Noninterest Income $16,483
    Pre-tax net operating income $19,118
    Securities gains (or losses, -) $160
    Income before extraordinary items $14,023
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,023
    Minority interest net income $0
    Net income $14,023
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,896

    North Shore Bank Fsb's gross interest income from loans was $76,856,000.
    North Shore Bank Fsb's net interest income from loans was $66,093,000.
    North Shore Bank Fsb's fee based income from loans was $4,835,000.
    North Shore Bank Fsb's net income from loans was $14,023,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,763
    Provision for credit losses $0
    Total noninterest expense $68,293
    Salaries and employee benefits $42,927
    Premises and equipment expense $8,865
    Additional noninterest expense $16,501
    Applicable income taxes $5,255
    Net charge-offs $-182
    Cash dividends $0

    North Shore Bank Fsb's interest expense for loans was $10,763,000.
    North Shore Bank Fsb's payroll and benefits expense were $42,927,000.
    North Shore Bank Fsb's property, plant and equipment expenses $8,865,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,987,366
    Deposits held in domestic offices $1,987,366
    Deposits by Individuals, partnerships, and corporations $1,970,030
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $17,331
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $174,130
    Demand deposits $101,560
    Nontransaction accounts $1,813,235
    Money market deposit accounts (MMDAs) $768,912
    Other savings deposits (excluding MMDAs) $660,909
    Total time deposits $383,415
    Total time and savings deposits $1,885,805
    Noninterest-bearing deposits $304,198
    Interest-bearing deposits $1,683,168
    Retail deposits $1,950,713
    IRAs and Keogh plan accounts $85,573
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,449,855
    Cash & Balances due from depository institutions $139,459
    Interest-bearing balances $107,839
    Total securities $481,982
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,712,091
    Loan and leases loss allowance $13,400
    Trading account assets $0
    Bank premises and fixed assets $53,731
    Other real estate owned $399
    Goodwill and other intangibles $29,770
    All other assets $32,423

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,449,855
    Total Liabilities $2,178,857
    Total deposits $1,987,366
    Interest-bearing deposits $1,683,168
    Deposits held in domestic offices $1,987,366
    % insured (estimated) $90
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $150,000
    Subordinated debt $0
    All other liabilities $41,491

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,712,091
    Loan and leases loss allowance $13,400
    Total loans and leases (domestic) $1,725,491
    All real estate loans $1,199,995
    Real estate loans in domestic offices $1,199,995
    Construction and development loans $44,418
    Residential 1-4 family construction $4,168
    Other construction, all land development and other land $40,250
    Loans secured by nonfarm nonresidential properties $104,922
    Nonfarm nonresidential secured by owner-occupied properties $54,583
    Commercial real estate & other non-farm, non-residential $50,339
    Multifamily residential real estate $631,655
    1-4 family residential loans $415,632
    Farmland loans $3,368
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $66,257
    To non-U.S. addressees $0
    Loans to individuals $452,658
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,956
    Other loans to individuals $450,702
    All other loans & leases $6,582
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,742
    Non 1-4 family restructured loans & leases $2,313
    Total loans and leases (foreign) $0

    North Shore Bank FSB had $1,712,091,000 of loans outstanding in 2020. $1,199,995,000 of loans were in real estate loans. $44,418,000 of loans were in development loans. $631,655,000 of loans were in multifamily mortgage loans. $415,632,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,956,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 165 $36,788 $222,958
    Nonfarm, nonresidential loans - <$100k 33 $1,394 $42,242
    Nonfarm, nonresidential loans - $100-250k 54 $6,239 $115,537
    Nonfarm, nonresidential loans - $250k-1MM 78 $29,155 $373,782
    Commercial & Industrial, US addressed loans - <$1MM 825 $47,821 $57,965
    Commercial & Industrial, US addressed loans - <$100k 644 $16,523 $25,657
    Commercial & Industrial, US addressed loans - $100-250k 110 $12,495 $113,591
    Commercial & Industrial, US addressed loans - $250k-1MM 71 $18,803 $264,831