North Central Bank
Hennepin, IL · Cert 17241 · Peer group: banks under $1B in assets in IL (n=149-151) · Putnam County Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$165.9MAssets
$85.9MLoans
$144.7MDeposits
$19.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 75% of banks under $1B in assets in IL (rank 38 of 149).
- Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in IL (rank 113 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.04%
Rank 75 of 151
Net Interest Margin
3.34%
Rank 89 of 151
Efficiency Ratio
66.20%
Rank 85 of 151
Equity / Assets
11.86%
Rank 46 of 151
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 44% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.70% | 1.03% | 1.34% | Beats 50% | 75 / 151 | | |
| Return on Equity | 8.76% | 6.74% | 9.34% | 12.94% | Beats 47% | 80 / 151 | | |
| Net Interest Margin | 3.34% | 3.02% | 3.43% | 3.83% | Beats 41% | 89 / 151 | | |
| Efficiency Ratio | 66.20% | 54.64% | 64.89% | 72.50% | Beats 44% | 85 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.20% | 0.66% | 1.77% | Beats 70% | 46 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 75% | 38 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 12.26% | 11.83% | 14.17% | 18.66% | Beats 32% | 102 / 151 | | |
| Total Risk-Based Capital Ratio | 12.26% | 12.22% | 14.54% | 19.92% | Beats 25% | 113 / 151 | | |
| Equity / Assets | 11.86% | 9.10% | 10.65% | 12.40% | Beats 70% | 46 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.40% | 54.39% | 71.02% | 80.75% | 32nd pctl | 101 / 149 | | |
| Loans / Assets | 51.80% | 45.91% | 61.31% | 68.01% | 35th pctl | 98 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |