What Makes Us Different?

There certainly is no shortage of banks and banking apps to choose from these days. Each is competing for your attention, telling you why they are the best. We would like to take a moment to let you know how we are different.

We are Locally Owned by our Customers

North Shore Trust and Savings was founded in 1921 by community members with the desire to help others achieve the dream of home ownership. Neighbors pooled their savings together in order to make loans. Each depositor was considered a partial owner and held influence over which loans were made. North Shore Trust continues this tradition today as mutual savings bank. We are still owned by local depositors and focused on mortgage lending to our community. Management remains focused on the long-term needs of the community and our customers, not on stockholder returns.

Our employees take the time to work with customers to ensure each is well-informed about the products and services they are choosing. A successful interaction is one where you leave in a better financial position than when you came, not one where we sell you the most profitable product. It is through this approach that we have built trusting relationships, many of which have spanned multiple generations and led to countless referrals.

In order to ensure North Shore Trust is here for the long-term, management has strategically built a balance sheet that features capital levels which far exceed those required by federal regulation. This financial strength has carried us safely through The Great Depression, several recessions and a financial crisis. North Shore Trust and Savings has one of the highest capital levels in the state of Illinois and has earned Five-Star ratings for Safety and Soundness from Bankrate.com and Bauer Financial.

North Shore Trust and Savings’ focus since 1921 has been home ownership and wealth accumulation for our customers. As a mutual savings bank, we are able to return profits to our customers by way of competitive borrowing and savings rates. We continually invest in training our team and updating technology to better serve our customers, and we give back to the communities that support us through civic service and financial literacy programs. If you are visiting us for the first time, WELCOME! To our existing customers, THANK YOU. If you know someone who needs a community bank, please let them know about us. Tell them who we are, and let us show them how we are different.