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 North Shore Bank of Commerce Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 12, 2026
North Shore Bank of Commerce's top rates as of October 12, 2026 are 4.28% APY on its 25-Months CD Special - 25-Month, 0.20% APY on savings, 3.50% APY on money market accounts, 4.50% APY on checking, and personal loans from 10.25% APR, according to rates verified by MonitorBankRates. Other North Shore Bank of Commerce CD rates include 18-Months CD Special - 18-Month at 4.20%, 11-Months CD Special - 11-Month at 4.01%, and 9-Months CD Special - 9-Month at 3.95%. MonitorBankRates evaluates the financial stability of North Shore Bank of Commerce with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.35%. Rates last updated and verified on 10/12/2026. North Shore Bank of Commerce money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at North Shore Bank of Commerce? Share your experience about North Shore Bank of Commerce by leaving a review below, or read customer reviews before you decide to use North Shore Bank of Commerce. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. North Shore Bank of Commerce CD Rates
North Shore Bank of Commerce Savings Rates
North Shore Bank of Commerce Money Market Rates
North Shore Bank of Commerce Checking Rates
North Shore Bank of Commerce Home Equity & HELOC
North Shore Bank of Commerce Auto Loan Rates
North Shore Bank of Commerce Personal Loan Rates
North Shore Bank of Commerce Other Rates
Financial Health HistoryNorth Shore Bank of Commerce’s Texas Ratio fell from 2.16% in Q3 2023 to 1.35% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for North Shore Bank of Commerce is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather North Shore Bank of Commerce rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with North Shore Bank of Commerce's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
North Shore Bank of Commerce
Bank Holding Company
NORTH SHORE FINANCIAL CORP
Address
131 W Superior St,
Duluth, MN 55802 · St. Louis
Website
https://www.northshore.bank
FDIC Certificate #
8850
Established
19150914
FDIC Insurance Date
19340101
Domestic Offices
7
Total Branches
7
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.35%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.5608%
Return on Equity (ROE)
18.3200%
Non-Performing Loans (NPL)
0.11%
Total Assets
$598,527,000
Total Deposits
$516,518,000
Equity Capital
$49,857,000
Net Income
$4,584,000
Headquarters
Duluth
Total Branches and Offices
7
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for North Shore Bank of Commerce
Frequently Asked Questions About North Shore Bank of CommerceHow many branches does North Shore Bank of Commerce operate?North Shore Bank of Commerce currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, North Shore Bank of Commerce does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, North Shore Bank of Commerce provides members with tools to manage their accounts and build a solid financial history. Does North Shore Bank of Commerce offer online and mobile banking?Most modern institutions like North Shore Bank of Commerce provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.northshore.bank. Current North Shore Bank of Commerce Rates
Retrieved from our database of financial products. Rates subject to change.
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