This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Waukegan, IL
Health score
69.3
Total assets
$270.3M
Bank
Nashville, IL
Health score
87.1
Total assets
$270.3M
Answer first
North Shore Trust and Savings leads on capitalization; The Farmers and Merchants National Bank of Nashville leads on financial health and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The Farmers and Merchants National Bank of Nashville
Higher TFS health score
Capitalization
North Shore Trust and Savings
Higher comparable capital ratio
Profitability
The Farmers and Merchants National Bank of Nashville
Higher return on assets
Lending quality
The Farmers and Merchants National Bank of Nashville
Lower problem-loan measure
Growth
The Farmers and Merchants National Bank of Nashville
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | North Shore Trust and Savings | The Farmers and Merchants National Bank of Nashville |
|---|---|---|
| TFS health score | 69.3/100 | 87.1/100Leads |
| Total assets | $270.3M | $270.3M |
| Total deposits / shares | $201.3M | $242.6M |
| Tier 1 capital ratio | 25.24%Leads | 11.60% |
| Return on assets | 0.90% | 1.61%Leads |
| Return on equity | 3.97% | 16.43% |
North Shore Trust and Savings
3 branches
The Farmers and Merchants National Bank of Nashville
8 branches
Both institutions report branches in 1 state: IL.
North Shore Trust and Savings
Unavailable
The Farmers and Merchants National Bank of Nashville
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
North Shore Trust and Savings
0 in TFS registry
The Farmers and Merchants National Bank of Nashville
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | North Shore Trust and Savings score | North Shore Trust and Savings ROA | The Farmers and Merchants National Bank of Nashville score | The Farmers and Merchants National Bank of Nashville ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.03% | — | 1.18% |
| 2024-Q4 | — | 0.15% | — | 1.29% |
| 2025-Q1 | — | -0.09% | — | 1.53% |
| 2025-Q2 | — | 0.02% | — | 1.56% |
| 2025-Q3 | — | 0.17% | — | 1.55% |
| 2025-Q4 | — | 0.29% | — | 1.54% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 1.87% | 0.61%Leads |
| Net charge-offs | 0.00%Leads | 0.01% |
| Efficiency ratio | 79.06% | 62.50%Leads |
| Loan-to-deposit ratio | 63.54% | 75.59% |
| Asset growth (YoY) | -2.16% | 1.08%Leads |
| Deposit / share growth (YoY) | -4.85% | -0.29%Leads |
| Branches | 3 | 8 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 70.1/100 |
| 0.33% |
| 88.3/100 |
| 1.55% |
| 2026-Q2 | 69.3/100 | 0.90% | 87.1/100 | 1.61% |