North County Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
North County Savings Bank is an FDIC-insured savings bank headquartered in Red Bud, IL, established in 1887 (FDIC certificate 30656), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $63.2M, down 0.6% from Q2 2025, the 286th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 21.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30656
- Headquarters
- Red Bud, IL
- Established
- 1887
- Total assets, Q2 2026
- $63.2M
- Assets vs Q2 2025
- -0.6%
- CET1 ratio, Q2 2026
- 21.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 281971424
- Latest call report
- Q2 2026, FFIEC 041 · North County Savings Bank call report
- Asset rank in state
- 286th of 319 in Illinois
North County Savings Bank, based in Red Bud, Illinois, reported $63 million in assets at June 30, 2026. It keeps 2.56 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also funds 8.45% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
Loans and deposits moved in opposite directions: over the year loans rose 4.6% and deposits fell 1.0%. Paper losses on its bond portfolio are shrinking: unrealized losses of $494,000 equal 9% of Tier 1 capital, down from 16% a year earlier. Profitability lags: it earns about $0.46 a year on every $100 of assets, about half the median of $1.06 for banks its size.
As of June 30, 2026, North County Savings Bank reported a CET1 capital ratio of 21.38%, a return on assets of 0.46%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, North County Savings Bank is the 286th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $63.2M, loans rose 1.6% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 85.3% of total loans, ahead of farmland and other real estate loans at 3.9%. Its 3 offices in the FDIC Summary of Deposits are in Red Bud, IL, Evansville, IL and Ruma, IL; its Red Bud office books 76% of its branch deposits. On its Q2 2026 call report, North County Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 411 W Market St, Red Bud, IL 62278
- County
- Randolph
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1887
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $57.9M
- Allowance for credit losses
- $129K
- Net charge-offs (YTD)
- $6K
- Average total assets
- $63.4M
- Average total loans
- $28.5M
- Average interest-bearing deposits
- $48.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30656
- Fed RSSD
- 482370
- Website
- www.ncsbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
North County Savings Bank's total assets moved between a low of $61.4M (Q4 2024) and a high of $65.7M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$63.2M total assets against $63.6M; $58.1M total liabilities against $58.8M.
$28.3M net loans and leases against $27.1M; $57.9M total deposits against $58.5M.
$24.6M securities against $25.0M; $8.7M cash and balances due against $10.0M.
$601K total interest income against $531K; $216K total interest expense against $221K.
$385K net interest income against $310K.
$37K total noninterest income against $41K; $343K total noninterest expense against $333K.
$0 provision for credit losses against $0.
$73K net income against $21K.
0.46% return on assets against 0.13%; 2.56% net interest margin against 2.04%.
21.38% CET1 capital ratio against 22.23%; 8.45% tier 1 leverage ratio against 8.19%.
Inside the full North County Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.38% (Q4 2024) to 0.46% (Q2 2026) and its net interest margin ran from 1.65% (Q3 2024) to 2.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.38% | 0.46% | 0.00% | 0.00% | 2.56% |
| Q1 2026 | 22.36% | 0.38% | 0.00% | 0.00% | 2.38% |
| Q4 2025 | 22.20% | 0.33% | 0.00% | 0.00% | 2.41% |
| Q3 2025 | 22.19% | 0.11% | 0.00% | 0.00% | 2.30% |
| Q2 2025 | 22.23% | 0.13% | 0.00% | 0.00% | 2.04% |
| Q1 2025 | 22.03% | -0.04% | 0.00% | 0.00% | 1.84% |
| Q4 2024 | 21.82% | -0.38% | 0.00% | 0.00% | 1.72% |
| Q3 2024 | 22.32% | -0.21% | 0.00% | 0.00% | 1.65% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 County Savings Bank (main office) | Red Bud , IL | 62278 | $43.9M |
| Liberty St Branch | Evansville , IL | 62242 | $10.2M |
| Ruma Branch | Ruma , IL | 62278 | $3.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 337 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about North County Savings Bank
What are North County Savings Bank's total assets?
As of the Q2 2026 filing, North County Savings Bank reported total assets of $63.2 million in its FFIEC call report.
Where is North County Savings Bank headquartered?
It is headquartered in Red Bud, IL, United States.
When was North County Savings Bank founded?
It was established in 1887, per the FDIC institution directory.
Is North County Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North County Savings Bank?
North County Savings Bank's primary federal regulator is the FDIC.
What is North County Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does North County Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North County Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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