Bank · FDIC insured
North Shore Trust & Savings
A $270.3M bank headquartered in Waukegan, IL, with 3 branches in Illinois. Best rates: CDs 4.10% and savings 0.15% APY.
North Shore Trust & Savings Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#100 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About North Shore Trust & Savings
North Shore Trust and Savings has served as Waukegan's local bank since 1921, operating branch offices in Waukegan and Lindenhurst, Illinois.
The bank maintains its main office on South Lewis Avenue in Waukegan, Illinois.
- Headquarters
- 700 S Lewis Ave, Waukegan, IL 60085
- FDIC certificate
- 27683 ↗
Branches
3 branches in Illinois
Loading map…
Illinois
3 branches
- North Shore Trust and SavingsMain office700 S Lewis Ave, Waukegan, IL 60085Directions
- Sand Lake Branch3060 W Sand Lake Rd, Lindenhurst, IL 60046Directions
- Waukegan Branch1233 N Green Bay Rd, Waukegan, IL 60085Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 25.24% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.87% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.90% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $64 | $81 | — |
- CapitalLeverage ratio25.24%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.87%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.90%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$64Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of North Shore Trust & Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.