North County Savings Bank
Red Bud, IL · Cert 30656 · Peer group: banks under $1B in assets in IL (n=149-151)
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 149).
- Widest gap: net interest margin trails 98% of banks under $1B in assets in IL (rank 148 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.42%
Rank 133 of 151
Net Interest Margin
2.34%
Rank 148 of 151
Efficiency Ratio
82.60%
Rank 134 of 151
Equity / Assets
8.04%
Rank 131 of 151
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 12% 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% | 0.70% | 1.03% | 1.34% | Beats 12% | 133 / 151 | |
| Return on Equity | 5.23% | 6.74% | 9.34% | 12.94% | Beats 19% | 122 / 151 | |
| Net Interest Margin | 2.34% | 3.02% | 3.43% | 3.83% | Beats 2% | 148 / 151 | |
| Efficiency Ratio | 82.60% | 54.64% | 64.89% | 72.50% | Beats 12% | 134 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 149 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 48% | 79 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 21.38% | 11.83% | 14.17% | 18.66% | Beats 83% | 26 / 151 | |
| Total Risk-Based Capital Ratio | 21.90% | 12.22% | 14.54% | 19.92% | Beats 83% | 26 / 151 | |
| Equity / Assets | 8.04% | 9.10% | 10.65% | 12.40% | Beats 13% | 131 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 49.15% | 54.39% | 71.02% | 80.75% | 14th pctl | 128 / 149 | |
| Loans / Assets | 45.03% | 45.91% | 61.31% | 68.01% | 21st pctl | 120 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |