North County Savings Bank
Red Bud, IL · Cert 30656 · Peer group: banks under $1B in assets in IL (n=146-148)
SI · FDIC · 3 branches
Q2 2026
$63.2MAssets
$28.5MLoans
$57.9MDeposits
$5.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 146).
- Widest gap: net interest margin trails 98% of banks under $1B in assets in IL (rank 145 of 148).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.42%
Rank 131 of 148
Net Interest Margin
2.34%
Rank 145 of 148
Efficiency Ratio
82.60%
Rank 132 of 148
Equity / Assets
8.04%
Rank 131 of 148
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 11% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.74% | 1.04% | 1.35% | Beats 11% | 131 / 148 | |
| Return on Equity | 5.23% | 6.82% | 9.34% | 12.94% | Beats 19% | 120 / 148 | |
| Net Interest Margin | 2.34% | 3.04% | 3.45% | 3.85% | Beats 2% | 145 / 148 | |
| Efficiency Ratio | 82.60% | 54.64% | 64.64% | 72.22% | Beats 11% | 132 / 148 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 146 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 47% | 78 / 146 | |
| Capital |
| Tier 1 Capital Ratio | 21.38% | 11.87% | 14.21% | 19.02% | Beats 82% | 26 / 148 | |
| Total Risk-Based Capital Ratio | 21.90% | 12.22% | 14.72% | 19.93% | Beats 82% | 26 / 148 | |
| Equity / Assets | 8.04% | 9.29% | 10.67% | 12.50% | Beats 11% | 131 / 148 | |
| Liquidity & Funding |
| Loans / Deposits | 49.15% | 54.39% | 71.02% | 80.75% | 14th pctl | 126 / 146 | |
| Loans / Assets | 45.03% | 46.03% | 61.31% | 68.01% | 20th pctl | 118 / 148 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |