North Central Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 37.21 percentage points lower than in Q1 2026, at 187.61%. Within Illinois, North Central Bank is 69th of 323 on return on assets, 1.63% as of Q2 2026, above the middle of the field. North Central Bank reported 1.63% on return on assets for Q2 2026, 0.38 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.26% |
| Equity capital to assets | 11.86% |
| Tangible equity to tangible assets | 10.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 4.24% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 187.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 13.85% |
| Net interest margin | 3.72% |
| Efficiency ratio | 57.25% |
| Yield on earning assets | 5.01% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.40% |
| Core deposits to total deposits | 90.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.20% |
| Securities to assets | 29.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.51% | 1.19% | 3.17% | 3.15% | -0.00% |
| Q4 2023 | 12.21% | 1.72% | 3.40% | 0.97% | 0.00% |
| Q1 2024 | 12.01% | 0.95% | 3.07% | 0.97% | 0.00% |
| Q2 2024 | 12.07% | 1.33% | 3.22% | 0.94% | 0.00% |
| Q3 2024 | 11.84% | 1.16% | 3.19% | 0.91% | 0.00% |
| Q4 2024 | 12.45% | 1.24% | 3.25% | 0.83% | 0.22% |
| Q1 2025 | 12.57% | 1.19% | 3.24% | 0.77% | -0.00% |
| Q2 2025 | 12.38% | 1.49% | 3.61% | 0.75% | 0.00% |
| Q3 2025 | 11.99% | 1.54% | 3.51% | 0.76% | -0.00% |
| Q4 2025 | 12.35% | 1.45% | 3.66% | 0.71% | 0.06% |
| Q1 2026 | 12.18% | 0.99% | 3.64% | 0.65% | -0.00% |
| Q2 2026 | 12.26% | 1.63% | 3.72% | 0.78% | -0.00% |
North Central Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Central Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full North Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17241) · FFIEC NIC profile (RSSD 565536)