North County Savings 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 Core deposits to total deposits: 1.44 percentage points lower than in Q1 2026, at 90.25%. Within Illinois, North County Savings Bank is 280th of 323 on return on assets, 0.46% as of Q2 2026, below the middle of the field. North County Savings Bank's return on assets of 0.46% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.52 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.38% |
| Tier 1 risk-based capital ratio | 21.38% |
| Total risk-based capital ratio | 21.90% |
| Tier 1 leverage ratio | 8.45% |
| Equity capital to assets | 8.04% |
| Tangible equity to tangible assets | 8.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.45% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 5.80% |
| Net interest margin | 2.56% |
| Efficiency ratio | 79.38% |
| Yield on earning assets | 3.96% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.15% |
| Core deposits to total deposits | 90.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.61% |
| Securities to assets | 38.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.65% | 23.65% | 24.29% | 8.16% | 0.01% |
| Q4 2023 | 22.47% | 22.47% | 23.07% | 8.09% | -0.43% |
| Q1 2024 | 22.66% | 22.66% | 23.27% | 8.18% | -0.28% |
| Q2 2024 | 22.46% | 22.46% | 23.06% | 8.06% | -0.14% |
| Q3 2024 | 22.32% | 22.32% | 22.93% | 8.10% | -0.21% |
| Q4 2024 | 21.82% | 21.82% | 22.39% | 8.20% | -0.38% |
| Q1 2025 | 22.03% | 22.03% | 22.60% | 8.38% | -0.04% |
| Q2 2025 | 22.23% | 22.23% | 22.80% | 8.19% | 0.13% |
| Q3 2025 | 22.19% | 22.19% | 22.76% | 8.13% | 0.11% |
| Q4 2025 | 22.20% | 22.20% | 22.76% | 8.21% | 0.33% |
| Q1 2026 | 22.36% | 22.36% | 22.90% | 8.34% | 0.38% |
| Q2 2026 | 21.38% | 21.38% | 21.90% | 8.45% | 0.46% |
North County Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North County Savings 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 County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30656) · FFIEC NIC profile (RSSD 482370)