North Central Bank
BankRegReports is independent of North Central Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
North Central Bank is an FDIC-insured commercial bank headquartered in Hennepin, IL, established in 1946 (FDIC certificate 17241), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $165.9M, up 0.6% from Q2 2025, the 221st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.26% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17241
- Headquarters
- Hennepin, IL
- Established
- 1946
- Total assets, Q2 2026
- $165.9M
- Assets vs Q2 2025
- +0.6%
- Tier 1 leverage ratio, Q2 2026
- 12.26%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071113476
- Holding company
- PUTNAM COUNTY BANCORP, INC.
- Asset rank in state
- 221st of 319 in Illinois
Little in North Central Bank's latest call report stands out. Based in Hennepin, Illinois, it had $166 million in assets at June 30, 2026. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 17% from a year earlier, to $677,000. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.26% of loans from 0.15% a year earlier.
As of June 30, 2026, North Central Bank reported a return on assets of 1.63%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.20%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, North Central Bank is the 221st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $165.9M, loans fell 2.8% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.1% of total loans, followed by farmland and other real estate loans at 18.1%. The FDIC Summary of Deposits lists 2 offices for it, in Hennepin, IL and Ladd, IL; its Hennepin office books 59% of its branch deposits. By the capital ratios in its Q2 2026 call report, North Central Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 126 E High St, Hennepin, IL 61327
- County
- Putnam
- Metro Area
- Ottawa, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 7, 1946
- Former names
- Putnam County Bank (1978-1999)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $144.7M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $166.1M
- Average total loans
- $87.2M
- Average interest-bearing deposits
- $121.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 23, 1953
- FDIC Cert
- 17241
- Fed RSSD
- 565536
- Website
- www.northcentralbank.com →
- Parent Holding Company
- PUTNAM COUNTY BANCORP, INC. (RSSD 1136492)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, North Central Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, North Central Bank's total assets ranged from $149.0M (Q4 2024) to $165.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$165.9M total assets against $164.9M; $146.2M total liabilities against $147.7M.
$84.7M net loans and leases against $83.6M; $144.7M total deposits against $145.7M.
$48.2M securities against $44.5M; $22.2M cash and balances due against $26.9M.
$1.9M total interest income against $1.8M; $497K total interest expense against $517K.
$1.4M net interest income against $1.3M.
$262K total noninterest income against $272K; $969K total noninterest expense against $999K.
$0 provision for credit losses against $0.
$677K net income against $580K.
1.63% return on assets against 1.49%; 3.72% net interest margin against 3.61%.
12.26% tier 1 leverage ratio against 12.38%.
Inside the full North Central Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorth Central Bank rankings
Its closest position to the top of a national ranking is 1,036 of 3,611, for ROA; its furthest is 3,181 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.99% (Q1 2026) to 1.63% (Q2 2026) and its net interest margin ran from 3.19% (Q3 2024) to 3.72% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.26% | 1.63% | 0.26% | 1.20% | 3.72% |
| Q1 2026 | 12.18% | 0.99% | 0.34% | 1.85% | 3.64% |
| Q4 2025 | 12.35% | 1.45% | 0.07% | 0.52% | 3.66% |
| Q3 2025 | 11.99% | 1.54% | 0.04% | 0.22% | 3.51% |
| Q2 2025 | 12.38% | 1.49% | 0.15% | 0.81% | 3.61% |
| Q1 2025 | 12.57% | 1.19% | 0.07% | 0.35% | 3.24% |
| Q4 2024 | 12.45% | 1.24% | 0.06% | 0.34% | 3.25% |
| Q3 2024 | 11.84% | 1.16% | 0.14% | 0.74% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Central Bank (main office) | Hennepin , IL | 61327 | $85.6M |
| Ladd Branch | Ladd , IL | 61329 | $59.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 1998 | Structure Change | Acquired Bank of Ladd Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 254 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows North Central Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about North Central Bank
What are North Central Bank's total assets?
As of the Q2 2026 filing, North Central Bank reported total assets of $165.9 million in its FFIEC call report.
Where is North Central Bank headquartered?
It is headquartered in Hennepin, IL, United States.
When was North Central Bank founded?
It was established in 1946, per the FDIC institution directory.
Is North Central Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Central Bank?
North Central Bank's primary federal regulator is the FDIC.
How many branches does North Central Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Central Bank's Texas Ratio?
Its Texas Ratio is 1.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was North Central Bank previously called?
The charter now named North Central Bank has also operated as Putnam County Bank (1978-1999), per FDIC structure-change records.
Go deeper on North Central Bank.
Get an email when North Central Bank files its next call report, and benchmark it against any peer you choose.
Unlock North Central Bank, freeFree account