NORTH COUNTY SAVINGS BANK

RED BUD, IL | Micro | Est. Jan. 1, 1887, midnight | FDIC #30656 | RSSD #482370 | FDIC
Latest Report: 2025-12-31

NORTH COUNTY SAVINGS BANK is amn micro FDIC-insured commercial bank headquartered in RED BUD, IL, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $64M and total deposits of $58M. Profitability stands at 0.33% ROA and 4.29% ROE, with a net interest margin of 2.45%. The bank's CET1 capital ratio is 22.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #30656.

Assets

$64M

Deposits

$58M

Loans

$28M

Equity

$5M

Profitability

Return on Assets (ROA) 0.33%
Return on Equity (ROE) 4.29%
Net Interest Margin (NIM) 2.45%
Yield on Assets 4.01%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.48%

Capital & Liquidity

CET1 Ratio 22.20%
Tier 1 Capital 22.20%
Total Capital Ratio 22.76%
Leverage Ratio 8.21%
Loan-to-Deposit 47.52%

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