North Shore Community Bank
North Shore Community Bank & Trust Company is a community bank in Wilmette, Illinois, serving consumers, small businesses, and commercial clients as one of 16 charters under Wintrust Financial Corporation, offering checking, savings, lending, SBA loans, treasury management, and wealth services.
- Company typePrivate
- Founded1991
- HeadquartersWilmette, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What North Shore Community Bank does
North Shore Community Bank & Trust Company is a community bank founded in 1991, headquartered in Wilmette, Illinois, and operating as one of 16 community bank charters under Wintrust Financial Corporation (NASDAQ: WTFC), a publicly traded bank holding company reporting $71 billion in assets. The bank serves consumers, small businesses, and commercial/middle-market clients across its branch footprint (Wilmette, Skokie, Winnetka, Glencoe) and the broader 200+ location Wintrust network spanning Illinois, Wisconsin, Michigan, Indiana, and Florida. Its core activities include deposit gathering (three checking tiers, savings, CDs, money market), consumer lending (HELOCs, mortgages via Wintrust Mortgage, personal credit cards via Elan Financial Services), small business banking (Entrepreneur/Business Community/Have-It-All checking, SBA 7(a)/504/Express loans up to $10 million), and commercial banking (commercial lending, treasury management, asset-based lending, industry-specific verticals for HOAs, construction, ESOP, franchise, government/nonprofit/healthcare, and professional practices).
The bank's underlying technology stack is conventional digital banking infrastructure rather than proprietary financial technology: the Wintrust Mobile app (iOS/Android), online banking portal, Zelle P2P payments, mobile remote deposit, i-BusinessBanking, i-BusinessCapturePro, and rule-based Positive Pay/ACH Positive Pay fraud tools. A notable structural differentiator is the MaxSafe program, which spreads deposits across 16 Wintrust charters to provide up to $4 million in FDIC coverage per accountholder—significantly exceeding the standard $250,000 limit. Customer engagement is reinforced by two branded programs: Platinum Adventures Club (50+ customers) and Junior Savers Club (under-22 youth).
The revenue model is a typical community bank mix: net interest income from the loan-deposit spread (the primary revenue stream, including variable-rate products tied to WSJ Prime), transactional fees on deposit accounts ($10–$25 monthly maintenance, ATM, wire, overdraft), loan origination fees (e.g., $2,500 SBA 7(a) packaging), credit card interchange via the Elan Financial Services partnership, recurring wealth management fees (Wintrust Wealth Management), and treasury management service fees for commercial clients. Distribution combines physical branches (relationship-led sales), digital self-serve channels, and community outreach through FDIC Money Smart financial education, local events, and sponsorships.
North Shore Community Bank firmographics
Firmographics- Name
- North Shore Community Bank
- Legal name
- North Shore Community Bank & Trust Company
- Website
- https://nscbank.com
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- North Shore Community Bank & Trust Company is a community bank in Wilmette, Illinois, serving consumers, small businesses, and commercial clients as one of 16 charters under Wintrust Financial Corporation, offering checking, savings, lending, SBA loans, treasury management, and wealth services.
- Ownership category
- akta.pro rank
North Shore Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
- akta.pro secondary industry
- Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA)
Keywords
Where North Shore Community Bank is headquartered
LocationHeadquarters
- HQ city
- Wilmette
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
North Shore Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Net Interest Income: Primary revenue from spread between interest earned on loans (mortgages, HELOCs, commercial loans, consumer loans) and interest paid on deposits. Variable rate products tied to WSJ Prime rate.
- Deposit Account Fees: Monthly maintenance fees on checking accounts ($10-$25 depending on tier), ATM fees, wire transfer fees, overdraft/insufficient funds fees, safe deposit box rentals, and money order/cashier's check fees
- Loan Origination Fees: SBA loan packaging fees ($2,500 for 7(a) loans), origination fees on commercial and small business loans, and mortgage origination through Wintrust Mortgage division
- Credit Card Interchange: Revenue share from credit card transactions processed through Elan Financial Services partnership (cards issued by Elan)
- Wealth Management Services: Asset management fees, investment advisory fees, trust services fees, and insurance commissions through Wintrust Wealth Management
- Treasury Management Services: Fees for commercial cash management, merchant processing, ACH origination, wire transfers, and account monitoring services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Total Access Checking - Basic everyday banking |
| Subscription | Monthly | Access Plus Checking - Enhanced benefits with interest |
| Subscription | Monthly | Premier Checking - Premium tier with highest benefits |
| Subscription | Monthly | Statement Savings Advanced Special |
| Subscription | Annual | 13-Month CD Special |
| Usage-based | Pay-as-you-go | Home Equity Line of Credit (HELOC) |
| Subscription | Monthly | Money Smart Checking |
| Unit Pricing | Monthly | Everyday Loan |
| Subscription | Monthly | Entrepreneur Checking |
| Subscription | Monthly | Business Community Checking |
| Subscription | Monthly | Have-It-All Business Checking |
| One time/ perpetual license | Annual | MaxSafe CD |
| Subscription | Monthly | MaxSafe Money Market |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels8 records
North Shore Community Bank product offering
Product offeringCore offering
North Shore Community Bank is a privately-held community bank that provides personal and business deposit accounts (checking, savings, CDs), consumer and commercial lending (HELOCs, mortgages, SBA loans, commercial lending), credit cards, treasury management, and wealth management services. It operates as one of 16 community bank charters under Wintrust Financial Corporation, delivering relationship-based banking through physical branches in the Chicago north shore suburbs and digital channels including the Wintrust Mobile app.
Product overview
North Shore Community Bank operates as a Wintrust Community Bank offering a comprehensive suite of personal, small business, and commercial banking products. The personal banking portfolio includes three checking tiers (Total Access, Access Plus, and Premier Checking), Statement Savings with 2.00% APY, 13-Month CDs with 4.00% APY, Home Equity Lines of Credit, personal credit cards, and credit-building products (Money Smart Checking® and Everyday Loans). Small business offerings span three checking account levels (Entrepreneur, Business Community, Have-It-All®), SBA lending (Express up to $500K, 7(a) up to $5M, 504 up to $10M), MaxSafe FDIC coverage expansion to $4 million, and digital banking tools (i-BusinessBanking™, i-BusinessCapturePro™). Commercial services include treasury management, commercial lending, and industry-specific financing. The bank also offers digital banking via Wintrust Mobile App with Zelle® integration, wealth management services, and Wintrust Mortgage (a division of Barrington Bank & Trust Company, NMLS #449042). Customer engagement programs include the Platinum Adventures® Club (50+ customers) and Junior Savers Club® (youth customers).
Differentiator
Problem solved
Functional benefit
Brands
- Platinum Adventures Club: Social and travel club for customers 50+ years of age with special events, trips, and seminars
- Junior Savers Club
- MaxSafe
- Wintrust Mortgage
- Money Smart Checking
Products and services
- Total Access Checking
Quantifiable outcome
- FDIC coverage up to $4 million per accountholder through MaxSafe program
- +4 more outcomes
Companies that use North Shore Community Bank
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles3 records
North Shore Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
North Shore Community Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and supporting.
- FDIC (Federal Deposit Insurance Corporation)coreCore regulatory partnership providing deposit insurance coverage. Standard FDIC coverage up to $250,000 per depositor, enhanced through Wintrust's multi-charter MaxSafe program to provide up to $4 million coverage.
- TrusteersupportingPartnership provides free malware and phishing protection software for business customers to protect against cyber threats and account compromise.
- Elan Financial ServicescoreCredit card issuing partnership where Elan Financial Services is the creditor and issuer of Visa credit cards offered to Wintrust customers. Wintrust receives interchange revenue through this white-label arrangement.
- Wintrust Mortgage (Barrington Bank & Trust Company, N.A.)coreAffiliated mortgage lending division operating as a separate bank charter (NMLS #449042) providing residential mortgage loans, refinancing, and home equity solutions to Wintrust Community Bank customers.
- Visa U.S.A. Inc.supportingCredit card network license for Visa-branded credit cards issued through Elan Financial Services partnership.
- FDIC (Money Smart Program)supportingPartnership using FDIC's Money Smart financial education curriculum for consumer, young adult, and small business education classes offered at Wintrust branches.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
North Shore Community Bank competitors and assessment
Company assessmentDirect peers
- Hinsdale Bank & Trust: Sister Wintrust charter serving Chicago's western suburbs. Operates the same community banking model and MaxSafe FDIC enhancement program, providing direct comparable metrics for charter-level performance within Wintrust's network.
- Inland Bank and Trust: Chicago-area community bank focused on small business, commercial, and personal banking. Comparable in deposit gathering approach, SBA lending capability, and relationship-based commercial focus.
- First Bank of Highland Park: Independent North Shore community bank located directly within North Shore Community Bank's primary market. Closest geographic competitor for affluent suburban deposit gathering and small business banking on Chicago's North Shore.
- Old Second National Bank: Independent community bank serving the western Chicago suburbs with similar consumer, small business, and commercial banking offerings. Comparable in geography, size, and customer profile to North Shore Community Bank.
- Byline Bank: Chicago-based community bank serving consumers, small businesses, and commercial clients across Chicagoland with a similar relationship-banking model and SBA lending focus. Directly comparable in product suite and customer segments to North Shore Community Bank.
- Libertyville Bank & Trust: Sister Wintrust charter serving Lake County, Illinois. Operates the same community banking formula within the Wintrust network, useful for benchmarking North Shore's deposit growth and loan performance relative to other charters.
- Wintrust Bank: Lead Wintrust Financial charter serving the greater Chicago area with the same multi-charter community banking model. Operating under a shared digital banking platform and infrastructure, providing a direct benchmark for North Shore's product offerings and pricing.
- Barrington Bank & Trust Company: Sister Wintrust Financial charter serving Chicago's northwest suburbs. Operates under the same multi-charter model and shared digital banking platform, providing an apples-to-apples comparison for North Shore's standalone performance within the Wintrust network.
Regional players
- Associated Bank: Mid-sized regional bank with strong footprint across Wisconsin and the broader Midwest. Overlaps with North Shore's southern Wisconsin and northern Illinois markets on consumer and small business banking, but with much broader geographic scope.
Broad incumbents
- BMO Harris Bank: Major commercial bank with deep Chicago-area presence offering consumer, commercial, and wealth services. Represents the incumbent large-bank competitive backdrop that community banks position against on service, local decision-making, and relationship banking.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks4 records
Key highlights7 records
Customer concentration
North Shore Community Bank social profiles
Digital presenceNorth Shore Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
North Shore Community Bank leadership team
Management profileNumber of profiles
Profiles16 records
North Shore Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
North Shore Community Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about North Shore Community Bank
What does North Shore Community Bank do?
North Shore Community Bank is a privately-held community bank that provides personal and business deposit accounts (checking, savings, CDs), consumer and commercial lending (HELOCs, mortgages, SBA loans, commercial lending), credit cards, treasury management, and wealth management services. It operates as one of 16 community bank charters under Wintrust Financial Corporation, delivering relationship-based banking through physical branches in the Chicago north shore suburbs and digital channels including the Wintrust Mobile app.
Is North Shore Community Bank a public or private company?
North Shore Community Bank is a private company. It is classified as corporate owned and is currently operating.
When was North Shore Community Bank founded?
North Shore Community Bank was founded in 1991. It employs 101 to 250 people.
Where is North Shore Community Bank based?
North Shore Community Bank is headquartered in Wilmette, United States, in the North America region.
How does North Shore Community Bank make money?
Six revenue lines are on record. Net Interest Income is the primary driver. The others are deposit Account Fees, loan Origination Fees, credit Card Interchange, wealth Management Services and treasury Management Services.
Who are North Shore Community Bank's main competitors?
Direct peers on record are Hinsdale Bank & Trust, Inland Bank and Trust, First Bank of Highland Park, Old Second National Bank, Byline Bank, Libertyville Bank & Trust, Wintrust Bank and Barrington Bank & Trust Company. Associated Bank is listed as a regional player. BMO Harris Bank is listed as a broad incumbent.
Does North Shore Community Bank have an API?
No public API is recorded for North Shore Community Bank.
What industry is North Shore Community Bank in?
North Shore Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail), with a secondary code of FSAAABAA, Onshore Private Banking (Domestic HNW/UHNW). Its NAICS code is 52211 and its SIC code is 6022.