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

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  • 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 23 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 an 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% 10/22/24
    30 Year Conventional Purchase 6.56% 10/22/24
    30 Year Conventional Refi 6.42% 10/22/24
    30 Year Cash-out Refi 6.66% 10/22/24
    30 Year VA Purchase 6.20% 10/22/24
    15 Year Conventional Purchase 5.98% 10/22/24
    15 Year Conventional Refi 6.12% 10/22/24
    15 Year Cash-out Refi 6.12% 10/22/24
    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

    1,751

    Origination Dollar Volume (All Markets)

    $383,985,000

    Employee count

    452 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) 895 $196,045,000 $219,045 $1,756 2.85%
    Outside of Metro Areas 159 $42,365,000 $266,447 $1,891 3.09%
    GREEN BAY, WI (FHA|USDA|VA) 214 $39,030,000 $182,383 $1,670 2.79%
    RACINE, WI (FHA|USDA|VA) 172 $26,690,000 $155,174 $1,669 3.02%
    APPLETON, WI (FHA|USDA|VA) 82 $16,800,000 $204,878 $1,604 2.93%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 104 $14,700,000 $141,346 $1,637 2.60%
    Clinton, IA (FHA|USDA|VA) 1 $9,685,000 $9,685,000 $0 3.25%
    FOND DU LAC, WI (FHA|USDA|VA) 12 $9,220,000 $768,333 $1,449 3.24%
    Manitowoc, WI (FHA|USDA|VA) 12 $5,260,000 $438,333 $1,645 2.43%
    Beaver Dam, WI (FHA|USDA|VA) 8 $4,970,000 $621,250 $1,651 3.03%
    Whitewater, WI (FHA|USDA|VA) 15 $4,625,000 $308,333 $1,712 3.15%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 30 $4,550,000 $151,667 $1,588 3.14%
    SHEBOYGAN, WI (FHA|USDA|VA) 7 $2,985,000 $426,429 $1,996 3.14%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 8 $2,400,000 $300,000 $1,802 3.34%
    Shawano, WI (FHA|USDA|VA) 14 $1,650,000 $117,857 $1,554 3.02%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $925,000 $925,000 $0 3.25%
    Marinette, WI-MI (FHA|USDA|VA) 5 $505,000 $101,000 $1,737 2.60%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $355,000 $118,333 $1,513 2.62%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $330,000 $165,000 $1,901 3.13%
    MADISON, WI (FHA|USDA|VA) 2 $290,000 $145,000 $1,843 2.43%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $250,000 $125,000 $1,978 2.81%
    Stevens Point, WI (FHA|USDA|VA) 2 $200,000 $100,000 $1,268 1.87%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $1,843 3.25%
    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)
  • Iowa (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.

    First Savings Bank of Hegewisch
    Similarity Rank: 45
    PROSPERA Credit Union
    Similarity Rank: 140
    Liberty Bank for Savings
    Similarity Rank: 153
    The Stephenson National Bank and Trust
    Similarity Rank: 360
    Fox Valley Savings Bank
    Similarity Rank: 420
    Wolf River Community Bank
    Similarity Rank: 450
    The Bank of Kaukauna
    Similarity Rank: 484
    Settlers Bank
    Similarity Rank: 513
    BLC Community Bank
    Similarity Rank: 555
    Bank of Luxemburg
    Similarity Rank: 627

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,172 $330,720,000 $282,184 $1,720 2.98%
    HELOC 571 $51,285,000 $89,816 n/a 2.68%
    VA 8 $1,980,000 $247,500 $3,094 2.66%

    For 2021, North Shore Bank Fsb's most frequently originated type of loan was Conventional, with 1,172 originations. Their 2nd most popular type was HELOC, with 571 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 721 $152,935,000 $212,115 $1,581 2.85%
    Home Purchase 357 $147,765,000 $413,908 $1,940 3.11%
    Cash Out Refi 302 $56,550,000 $187,252 $1,792 3.02%
    Other 211 $14,645,000 $69,408 $1,502 2.63%
    Home Improvement 160 $12,090,000 $75,563 $0 2.57%

    For 2021, North Shore Bank Fsb's most frequently cited loan purpose was Refi, with 721 originations. The 2nd most popular reason was Home Purchase, with 357 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 682 $147,960,000 $216,950 $1,807 3.17%
    10 Year 622 $142,180,000 $228,585 $1,720 2.73%
    15 Year 352 $57,310,000 $162,813 $1,598 2.55%
    20 Year 76 $13,170,000 $173,289 $1,691 3.02%
    Other 16 $22,130,000 $1,383,125 $1,446 3.30%
    5 Year 3 $1,235,000 $411,667 $0 3.83%

    For 2021, North Shore Bank Fsb's most frequently cited loan duration was 30 Year, with 682 originations. The 2nd most popular length was 10 Year, with 622 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 993 $195,925,000 $197,306
    $1k-2k 63 $13,505,000 $214,365
    $2k-3k 10 $1,970,000 $197,000
    $5k+ 3 $685,000 $228,333
    $3k-4k 2 $700,000 $350,000
    $4k-5k 2 $380,000 $190,000

    North Shore Bank Fsb's average total fees were $1,807, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 993 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 721 $220,895,000 $306,373
    <2.5% 529 $64,395,000 $121,730
    2.5-3% 477 $97,105,000 $203,574
    4-5% 24 $1,590,000 $66,250

    During 2021, North Shore Bank Fsb's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 721 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 742 $104,230,000 $140,472 $1,653 2.90%
    $100,000 or less 499 $29,275,000 $58,667 $1,630 2.73%
    $200k-400k 405 $106,825,000 $263,765 $1,818 2.96%
    $400k-600k 56 $26,390,000 $471,250 $2,011 3.10%
    $1MM+ 34 $105,230,000 $3,095,000 $2,893 3.32%
    $600k-1MM 15 $12,035,000 $802,333 $2,701 3.46%

    2021 saw North Shore Bank Fsb place emphasis on $100k-200k loans with 742 originations, totaling $104,230,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 438 $58,980,000 $134,658 $1,682 2.90%
    $100k-150k 379 $65,185,000 $171,992 $1,729 2.73%
    $75k-100k 321 $51,755,000 $161,231 $1,823 2.92%
    $50k or less 304 $31,740,000 $104,408 $1,673 2.96%
    $150k-250k 190 $41,650,000 $219,211 $1,781 2.81%
    $250k+ 62 $21,880,000 $352,903 $1,797 2.84%

    North Shore Bank Fsb lent most frequently to those with incomes in the $50k-75k range, with 438 originations. The second most popular income band? $100k-150k, with 379 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 432 $67,120,000 $155,370 $1,661 2.83%
    30-36% 336 $54,850,000 $163,244 $1,770 2.85%
    <20% 156 $24,450,000 $156,731 $1,660 2.93%
    44% 96 $10,470,000 $109,063 $1,667 2.68%
    43% 75 $11,365,000 $151,533 $1,726 2.75%
    42% 71 $11,905,000 $167,676 $1,882 3.02%
    39% 61 $8,545,000 $140,082 $1,597 2.91%
    37% 59 $8,625,000 $146,186 $1,705 2.70%
    38% 56 $10,600,000 $189,286 $1,573 3.01%
    41% 55 $8,565,000 $155,727 $2,117 2.82%
    40% 53 $7,705,000 $145,377 $1,699 2.86%
    36% 51 $7,905,000 $155,000 $1,704 2.89%
    45% 45 $7,095,000 $157,667 $1,984 2.89%
    46% 35 $6,425,000 $183,571 $1,874 3.14%
    49% 31 $5,665,000 $182,742 $1,569 3.04%
    47% 27 $4,215,000 $156,111 $1,546 2.92%
    48% 23 $4,695,000 $204,130 $1,943 2.93%
    50-60% 20 $6,680,000 $334,000 $1,889 2.95%
    >60% 12 $4,310,000 $359,167 $2,358 3.33%

    North Shore Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 432 originations. The next most common DTI ratio? 30-36%, with 336 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,567 $246,545,000 $157,336 $1,711 2.87%
    Not applicable 57 $112,795,000 $1,978,860 $0 3.44%
    Not provided 78 $16,480,000 $211,282 $1,705 2.93%
    Asian 24 $4,760,000 $198,333 $2,692 2.77%
    Black 19 $2,785,000 $146,579 $2,035 2.75%
    American Indian 3 $355,000 $118,333 $1,282 2.50%
    Native Hawaiian or Islander 2 $170,000 $85,000 $1,593 2.31%
    Asian Indian 1 $95,000 $95,000 $1,286 2.63%

    Approval Rates

    Total approvals of all applications
    80.46%

    North Shore Bank Fsb has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    90.01%

    North Shore Bank Fsb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,751 $383,985,000 $219,295

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,751 $383,985,000 $219,295

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 326 $41,710,000 $127,945 $1,616 2.69%
    40-60% 437 $86,325,000 $197,540 $1,623 2.85%
    60-80% 545 $189,815,000 $348,284 $1,761 3.06%
    80-100% 193 $54,205,000 $280,855 $1,893 3.17%
    Over 100% 1 $345,000 $345,000 $9,165 2.50%
    Under 20% 249 $11,585,000 $46,526 $1,562 2.60%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    NORTHWEST BANCSHARES INC Conventional home mortgage Struggling to pay mortgage 1 11.1%
    NORTHWEST BANCSHARES INC Conventional home mortgage Trouble during payment process 5 55.6%
    NORTHWEST BANCSHARES INC Home equity loan or line of credit (HELOC) Trouble during payment process 1 11.1%
    NORTHWEST BANCSHARES INC Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 11.1%
    NORTHWEST BANCSHARES INC Other type of mortgage Struggling to pay mortgage 1 11.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    North Shore Bank, FSB 225 N Fifth Ave Sturgeon Bay, WI 54235 Full Service B&M $81,662
    North Shore Bank, FSB 10533 West National Avenue West Allis, WI 53227 Full Service B&M $40,250
    North Shore Bank, FSB 10806 N. Port Washington Road Mequon, WI 53092 Full Service Retail $43,328
    North Shore Bank, FSB 1100 W Northland Avenue Appleton, WI 54914 Full Service B&M $58,715
    North Shore Bank, FSB 1101 Main Street Union Grove, WI 53182 Full Service B&M $34,352
    North Shore Bank, FSB 116 S Pine St Burlington, WI 53105 Full Service B&M $37,645
    North Shore Bank, FSB 120 W Wisconsin Ave Pewaukee, WI 53072 Full Service B&M $75,852
    North Shore Bank, FSB 1320 West Burnham Milwaukee, WI 53204 Full Service B&M $18,472
    North Shore Bank, FSB 1500 Appleton Rd. Menasha, WI 54952 Full Service Retail $31,171
    North Shore Bank, FSB 15505 West National Avenue New Berlin, WI 53151 Full Service B&M $74,612
    North Shore Bank, FSB 15700 West Bluemound Rd Brookfield, WI 53005 Full Service Cyber Office $287
    North Shore Bank, FSB 15700 West Bluemound Road Brookfield, WI 53005 Full Service B&M $190,718
    North Shore Bank, FSB 15830 W. Capitol Dr. Brookfield, WI 53005 Full Service B&M $86,176
    North Shore Bank, FSB 1620 W Mason St Green Bay, WI 54303 Full Service Retail $22,142
    North Shore Bank, FSB 165 N Saint Augustine St Pulaski, WI 54162 Full Service B&M $40,464
    North Shore Bank, FSB 1689 Curran Road Mchenry, IL 60051 Full Service B&M $32,976
    North Shore Bank, FSB 1819 Main Street Green Bay, WI 54302 Full Service B&M $25,140
    North Shore Bank, FSB 1900 N Martin Luther King Dr Milwaukee, WI 53212 Full Service B&M $13,383
    North Shore Bank, FSB 2215 S Oneida St Green Bay, WI 54307 Full Service B&M $22,122
    North Shore Bank, FSB 2300 South Webster Avenue Green Bay, WI 54301 Full Service B&M $37,328
    North Shore Bank, FSB 2301 Wisconsin Ave Grafton, WI 53024 Full Service B&M $38,925
    North Shore Bank, FSB 2465 Lineville Road, Suite 2 Green Bay, WI 54313 Full Service B&M $24,559
    North Shore Bank, FSB 2614 S. Bay Shore Dr. Sister Bay, WI 54234 Full Service B&M $30,119
    North Shore Bank, FSB 3233 East Layton Avenue Cudahy, WI 53110 Full Service B&M $28,206
    North Shore Bank, FSB 3911 N Main St Racine, WI 53402 Full Service B&M $34,177
    North Shore Bank, FSB 403 West Silver Spring Drive Glendale, WI 53217 Full Service B&M $31,798
    North Shore Bank, FSB 4230 West Oklahoma Avenue Milwaukee, WI 53215 Full Service B&M $49,548
    North Shore Bank, FSB 4414 N Oakland Ave Shorewood, WI 53211 Full Service B&M $114,598
    North Shore Bank, FSB 4923 Washington Ave Racine, WI 53406 Full Service B&M $51,599
    North Shore Bank, FSB 510 E. Pleasant St. Milwaukee, WI 53202 Full Service B&M $25,708
    North Shore Bank, FSB 5101 S 76th St Greendale, WI 53129 Full Service B&M $45,490
    North Shore Bank, FSB 5117 Green Bay Road Kenosha, WI 53144 Full Service B&M $37,435
    North Shore Bank, FSB 5723 Durand Ave. Racine, WI 53406 Full Service B&M $31,301
    North Shore Bank, FSB 5817 West Forest Home Avenue Milwaukee, WI 53220 Full Service B&M $29,138
    North Shore Bank, FSB 5850 Broad Street Greendale, WI 53129 Full Service B&M $44,953
    North Shore Bank, FSB 600 East Green Tree Road Fox Point, WI 53217 Full Service B&M $69,418
    North Shore Bank, FSB 6906 Green Bay Rd Kenosha, WI 53142 Full Service B&M $26,244
    North Shore Bank, FSB 7151 S 76th St Franklin, WI 53132 Full Service B&M $46,398
    North Shore Bank, FSB 7927 West Capitol Drive Milwaukee, WI 53222 Full Service B&M $35,964
    North Shore Bank, FSB 8056 39th Avenue Kenosha, WI 53142 Full Service B&M $11,686
    North Shore Bank, FSB 8701 South Howell Avenue Oak Creek, WI 53154 Full Service B&M $46,809
    North Shore Bank, FSB 8706 W North Ave Wauwatosa, WI 53226 Full Service B&M $62,158
    North Shore Bank, FSB 9131 W Oklahoma Ave Milwaukee, WI 53227 Full Service B&M $59,309
    North Shore Bank, FSB N112 W15780 Mequon Road Germantown, WI 53022 Full Service B&M $31,472
    North Shore Bank, FSB S74 W17095 Janesville Road Muskego, WI 53150 Full Service B&M $51,031
    North Shore Bank, FSB W249n6600 Highway 164 Sussex, WI 53089 Full Service B&M $43,455

    For 2021, North Shore Bank Fsb had 46 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $71,643
    Net interest income $66,537
    Total noninterest income $23,640
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $5,174
    Trading account gains and fees $0
    Additional Noninterest Income $18,466
    Pre-tax net operating income $20,324
    Securities gains (or losses, -) $-10
    Income before extraordinary items $14,690
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,690
    Minority interest net income $0
    Net income $14,690
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,697

    North Shore Bank Fsb's gross interest income from loans was $71,643,000.
    North Shore Bank Fsb's net interest income from loans was $66,537,000.
    North Shore Bank Fsb's fee based income from loans was $5,174,000.
    North Shore Bank Fsb's net income from loans was $14,690,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,106
    Provision for credit losses $-2,500
    Total noninterest expense $72,353
    Salaries and employee benefits $45,111
    Premises and equipment expense $8,823
    Additional noninterest expense $18,419
    Applicable income taxes $5,624
    Net charge-offs $-2,521
    Cash dividends $0

    North Shore Bank Fsb's interest expense for loans was $5,106,000.
    North Shore Bank Fsb's payroll and benefits expense were $45,111,000.
    North Shore Bank Fsb's property, plant and equipment expenses $8,823,000.

    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 1.0%
    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 $2,108,039
    Deposits held in domestic offices $2,108,039
    Deposits by Individuals, partnerships, and corporations $2,083,312
    Deposits by U.S. Government $7
    Deposits by States and political subdivisions in the U.S. $24,720
    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 $187,573
    Demand deposits $111,193
    Nontransaction accounts $1,920,466
    Money market deposit accounts (MMDAs) $886,347
    Other savings deposits (excluding MMDAs) $738,057
    Total time deposits $296,061
    Total time and savings deposits $1,996,846
    Noninterest-bearing deposits $321,747
    Interest-bearing deposits $1,786,292
    Retail deposits $2,083,144
    IRAs and Keogh plan accounts $79,229
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,587,926
    Cash & Balances due from depository institutions $446,616
    Interest-bearing balances $409,711
    Total securities $366,533
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,659,355
    Loan and leases loss allowance $13,421
    Trading account assets $0
    Bank premises and fixed assets $53,848
    Other real estate owned $0
    Goodwill and other intangibles $30,297
    All other assets $31,277

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,587,926
    Total Liabilities $2,295,029
    Total deposits $2,108,039
    Interest-bearing deposits $1,786,292
    Deposits held in domestic offices $2,108,039
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $150,000
    Subordinated debt $0
    All other liabilities $36,990

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,659,355
    Loan and leases loss allowance $13,421
    Total loans and leases (domestic) $1,672,776
    All real estate loans $1,162,699
    Real estate loans in domestic offices $1,162,699
    Construction and development loans $40,103
    Residential 1-4 family construction $1,985
    Other construction, all land development and other land $38,118
    Loans secured by nonfarm nonresidential properties $111,389
    Nonfarm nonresidential secured by owner-occupied properties $65,697
    Commercial real estate & other non-farm, non-residential $45,692
    Multifamily residential real estate $677,939
    1-4 family residential loans $330,040
    Farmland loans $3,228
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $44,142
    To non-U.S. addressees $0
    Loans to individuals $461,880
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $4,396
    Other loans to individuals $457,484
    All other loans & leases $4,055
    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 $2,185
    Non 1-4 family restructured loans & leases $2,066
    Total loans and leases (foreign) $0

    North Shore Bank FSB had $1,659,355,000 of loans outstanding in 2021. $1,162,699,000 of loans were in real estate loans. $40,103,000 of loans were in development loans. $677,939,000 of loans were in multifamily mortgage loans. $330,040,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $4,396,000 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 189 $37,603 $198,958
    Nonfarm, nonresidential loans - <$100k 46 $1,583 $34,413
    Nonfarm, nonresidential loans - $100-250k 71 $7,796 $109,803
    Nonfarm, nonresidential loans - $250k-1MM 72 $28,224 $392,000
    Commercial & Industrial, US addressed loans - <$1MM 390 $25,360 $65,026
    Commercial & Industrial, US addressed loans - <$100k 272 $6,162 $22,654
    Commercial & Industrial, US addressed loans - $100-250k 60 $6,247 $104,117
    Commercial & Industrial, US addressed loans - $250k-1MM 58 $12,951 $223,293