North Shore Trust and Savings
Gathers local deposits and makes residential-mortgage-led loans in Lake County.
Something off on this page? Send us feedback.
Profile
Owns North Shore Trust and Savings, a Lake County community bank funded by deposits and oriented toward one-to-four-family residential mortgages. Commercial real-estate, multifamily, construction, and consumer lending complete the loan offering; Brookfield Bancshares' acquisition agreement remains pending.
Operates through North Shore Trust and Savings, a traditional savings institution serving Lake County, Illinois, and adjacent communities. Deposits fund lending focused on one-to-four-family residential mortgages, complemented by commercial-real-estate, multifamily, construction, and consumer loans.
Branch offices are in Waukegan and Lindenhurst, with a Chicago loan-production office. The bank's public roots lie in 1921, while the listed holding company emerged from a 2022 mutual-to-stock conversion.
Deposit gathering and local mortgage activity shape the business. The Oak Leaf Community Mortgage division was divested in June 2026, and Brookfield Bancshares' agreement to acquire NSTS remains pending regulatory and shareholder approvals and other closing conditions.
Company facts
Categories
Key statistics
Year to date +10.1% · Average volume (30d) 7.8K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 13, 2026Q2 FY26 | — | −$0.04 | — | — | $4.0M | — | 0.00% |
| May 14, 2026Q1 FY26 | — | −$0.01 | — | — | $3.2M | — | 0.00% |
| Mar 27, 2026Q4 FY25 | — | $0.03 | — | — | $3.3M | — | −0.78% |
| Nov 13, 2025Q3 FY25 | — | $0.01 | — | — | $3.3M | — | +0.36% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $3.0M | $3.4M | $3.3M | $3.3M | $3.2M | $4.0M | |
| Gross profit | $2.1M | $2.4M | $2.5M | $2.7M | $2.5M | $3.2M | |
| Operating income | −$328.0K | −$258.0K | $65.0K | $135.0K | −$39.0K | −$204.0K | |
| Net income | −$328.0K | −$258.0K | $65.0K | $135.0K | −$39.0K | −$204.0K | |
| Diluted EPS | −$0.07 | −$0.05 | $0.01 | $0.03 | −$0.01 | −$0.04 | |
| Gross margin | 70.5% | 70.9% | 75.0% | 80.7% | 78.3% | 81.3% | |
| Operating margin | -11.0% | -7.6% | 2.0% | 4.1% | -1.2% | -5.1% |
Fiscal years (4-quarter sums)FY21 $6.1M · FY22 $7.5M · FY23 $6.5M · FY24 $12.0M · FY25 $13.0M
Balance sheet, Jun 30, 2026Cash & short-term investments $75.7M · Total debt $0 · Total assets $269.9M · Shareholders' equity $80.1M
Dividends
No dividends on record.
Ownership
Shares outstanding 5.26M · Float 4.42M · 84.1% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| AllianceBernstein L.P. | 516.5K | 9.82% | 13F | May 15, 2026 |
| North Shore Trust & Savings Employee Stock Ownership Plan Trust | 430.2K | 8.10% | 13G | Feb 10, 2025 |
| Vanguard Capital Management LLC | 189.9K | 3.61% | 13F | May 15, 2026 |
| Graham Capital Wealth Management, LLC | 100.8K | 1.92% | 13F | May 12, 2026 |
| Raffles Associates LP | 93.8K | 1.78% | 13F | May 15, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- Wintrust Financial
Chicago-area community banking and residential mortgage provider
- Byline Bancorp
Chicago-area bank with Lake County branches and residential mortgages
- Old National Bancorp
Chicago-market bank with retail deposits and residential mortgages
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| North Shore Trust and Savings | $13.99 | −0.07% | $73.6M | — | — | 5.3 | +17.4% |
| Wintrust Financial | $161.72 | +5.73% | $10.32B | 12.1 | 11.6 | 2.4 | +10.1% |
| Byline Bancorp | $38.30 | −0.10% | $1.74B | 11.6 | 11.6 | 2.7 | +7.4% |
| Old National Bancorp | $25.85 | +0.02% | $9.89B | 11.4 | 9.5 | 2.5 | +12.3% |
| Median | 11.6 | 11.6 | 2.5 | +10.1% |