North Central Bank
Hennepin, IL
IDRSSD: 565536
Total Assets
$159.35M
Latest filing
Total Deposits
$137.26M
Latest filing
Net Interest Margin
3.71%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
North Central Bank
126 E High St
Hennepin, IL 61327
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/07/1946FDIC Certificate 11268
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| North Central Bank (Main) | 126 E High St | Hennepin, IL |
| LADD BRANCH | 110 N Main Ave | Ladd, IL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/07/1946 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61327 |
| State and County Number | 17155 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Ottawa, IL |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/23/1953 |
| Primary Insurance Agency | DIF |
| Website | www.northcentralbank.com |
| Data Updated | 01/30/2026 |
| CERT | 17241 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $159.35M |
| Total Deposits | $137.26M |
| Total Liabilities | $139.52M |
| Total Equity Capital | $19.83M |
| Net Income | $592.00k |
| Net Loans and Leases | $85.95M |
| Assets Per Employee ($Millions) | $6.64M |
| Bank Premises and Fixed Assets | $962.00k |
| Cash and Balances due from Depository Institutions | $11.48M |
| Deposits Held in Domestic Offices | $137.26M |
Key Performance Ratios
| Return on Assets (ROA) | 1.46% |
| Return on Equity (ROE) | 12.24% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 64.55% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.443% |
| Earning Assets to total Assets | 91.74% |
Income and Expense
| Total Interest Income | $1.91M |
| Total Noninterest Income | $321.00k |
| Total Interest Expense | $537.00k |
| Total Noninterest Expense | $1.10M |
| Net Interest Income | $1.38M |
| Pre-tax Net Operating Income | $602.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $37.00k |
| Other borrowed funds | $1.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.40M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.26M |
| Total Liabilities and Capital | $159.35M |
Securities
| Securities | $49.20M |
| Available-for-sale debt securities | $49.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of North Central Bank?
$159.35M as of the latest filing.
How much are North Central Bank's total deposits?
$137.26M in total deposits.
Where is North Central Bank located?
Hennepin, IL.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
2.
When was it established?
12/07/1946.
What is the Return on Assets (ROA)?
1.46%.
How much are total loans and leases?
$85.95M (latest filing).
What is the total interest income (latest filing)?
$1.91M.