North Shore Trust and Savings (NSTS)
Gathers local deposits and makes residential-mortgage-led loans in Lake County.
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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
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $75.7M · Total debt $28.9M · Total assets $269.9M · Shareholders' equity $80.1M
- Revenue
- $4.0M
- Operating income
- −$204.0K
- Net income
- −$204.0K
No dividends on record.
| Institutions | 25.59% | 1.34M shares | |
|---|---|---|---|
| 24 holders · as of Jun 30, 2026 | |||
| Insiders | 0.19% | 10.2K shares | |
| 2 holders · as of Jun 25, 2025 | |||
| Other | 74.22% | 3.90M shares | |
| remainder | |||
5.25M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
AllianceBernstein L.P.Institution | 9.83% | 516,461 | as of Jun 30, 2026 |
North Shore Trust & Savings Employee Stock Ownership Plan TrustInstitution | 8.19% | 430,239 | filed Feb 10, 2025 |
Vanguard Capital Management LLCInstitution | 3.84% | 201,759 | as of Jun 30, 2026 |
Graham Capital Wealth Management, LLCInstitution | 2.08% | 109,466 | as of Jun 30, 2026 |
Yakira Capital Management, Inc.Institution | 1.78% | 93,634 | as of Jun 30, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
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CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| North Shore Trust and Savings | $14.16 | +0.07% | $74.2M | — | — | 5.4 | +17.4% |
| Wintrust Financial | $144.70 | +0.02% | $9.92B | 11.7 | 10.9 | 2.3 | +10.1% |
| Byline Bancorp | $37.00 | +0.03% | $1.70B | 11.4 | 11.2 | 2.7 | +6.6% |
| Old National Bancorp | $25.03 | +0.02% | $9.66B | 11.1 | 9.2 | 2.4 | +12.3% |
| Median | 11.4 | 10.9 | 2.4 | +10.1% |