🏦Bank Scorer

NORTH SHORE BANK, A CO-OPERATIVE BANK

PEABODY, MA · Supervised by FDIC

Est. 1888FDIC #26,484RSSD: FDIC-26484
Part ofHOMETOWN FINANCIAL GROUP MHC→ View all charters
Satisfactory Same

Current rating · Exam: February 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

248 Andover St, PEABODY, MA

County

Essex County

Established

January 1, 1888

Total Assets

$3.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.7B

Net Loans

$2.4B

Net Income

$10M

ROA

1.27%

ROE

8.56%

Risk-Based Capital

16.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate15.50%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

25

Branch Deposits

$2.4B

1-Year Change

+9

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202425869.77%15.50%
202335771.15%13.45%
202253572.52%13.46%
202183078.55%7.95%
20201,03775.89%8.68%
201955775.04%12.03%
201850769.82%13.61%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/94daffed-5c3e-4fbe-8e60-dcaf495321e4"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: