North Shore Bank
Brookfield, Wisconsin, Waukesha County
$2.6B in total assets, the 496th largest of 4,309 US banks and 11th of 155 headquartered in Wisconsin.
- FDIC certificate
- 28679
- Established
- 1923
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- www.northshorebank.com
At a glance
Compared with 29 banks headquartered in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.6B | 72% | $1.7B | |
| Loans | $2.1B | 76% | $1.3B | |
| Deposits | $2.2B | 79% | $1.4B | |
| Return on assets | 0.92% | 24% | 1.27% | |
| Net interest margin | 3.94% | 69% | 3.63% | |
| Efficiency ratio | 69.8% | 72% | 59.9% | |
| Equity to assets | 15.31% | 90% | 10.46% | |
| Loans to deposits | 95% | 55% | 94% |
Growth
Total assets grew 0.5% a year over the last 5 years and 4.2% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2016 | Layton State Bank West Allis, WI | $121M |
| May 2013 | Banks of Wisconsin Kenosha, WI | $134M |
| Sep 2010 | Maritime Savings Bank West Allis, WI | $350M |
| Nov 2005 | Illinois State Bank Lake In The Hills, IL | $133M |
| Jul 2000 | Marquette Savings Bank, S.A. West Allis, WI | $83M |
| Jan 1996 | Badger Bank, S.S.B. Milwaukee, WI | $264M |
| Dec 1987 | Sunrise Savings Association Green Bay, WI | $151M |
| Jan 1984 | Southeastern Savings Association Racine, WI | n/a |
Where they operate
43 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Milwaukee County, WI | $741M | 1.4% | 10 of 27 |
| Waukesha County, WI | $580M | 3.1% | 9 of 34 |
| Racine County, WI | $211M | 4.7% | 9 of 13 |
| Brown County, WI | $204M | 1.5% | 9 of 16 |
| Door County, WI | $110M | 8.5% | 3 of 5 |
| Ozaukee County, WI | $96M | 2.8% | 9 of 15 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 6 branches since 2016 (49 to 43, −12.2%). 4 opened, 3 acquired, 13 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 49 | |||
| 2016 | Acquired Layton State BankClosed Appleton and Sturgeon Bay | 3 | 2 | +1 | 50 |
| 2017 | Closed Milwaukee and New Berlin | 0 | 2 | −2 | 48 |
| 2018 | Closed Milwaukee | 0 | 2 | −2 | 46 |
| 2020 | Opened Germantown and MilwaukeeClosed Milwaukee | 2 | 1 | +1 | 47 |
| 2021 | Closed Lake In The Hills | 0 | 1 | −1 | 46 |
| 2022 | Closed Greendale and Racine | 0 | 2 | −2 | 44 |
| 2024 | Opened Oak CreekClosed Oak Creek | 1 | 1 | 0 | 44 |
| 2025 | Opened De PereClosed Green Bay and Kenosha | 1 | 2 | −1 | 43 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Multifamily | 40% | 13% | |
| Consumer | 32% | 2% | |
| 1-4 family residential | 17% | 23% | |
| Commercial real estate | 5% | 33% | |
| Business (C&I) | 3% | 12% | |
| Construction and land | 2% | 8% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 4% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 51% | |
| Time deposits | 28% | 30% | |
| Noninterest-bearing | 13% | 19% |
Brokered deposits are 0.0% of deposits (peers 6.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.10% | 0.36% |
| Net charge-offs, annualized | 0.02% | 0.01% |
| Reserves to loans | 0.67% | 1.07% |
| Leverage ratio | 14.45% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in Milwaukee County, WI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/north-shore-bank-brookfield-wi