North County Savings Bank
Red Bud, IL
IDRSSD: 482370
Total Assets
$63.70M
Latest filing
Total Deposits
$58.58M
Latest filing
Net Interest Margin
2.13%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
North County Savings Bank
411 W Market St
Red Bud, IL 62278
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1887FDIC Certificate 43490
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| North County Savings Bank (Main) | 411 W Market St | Red Bud, IL |
| LIBERTY ST BRANCH | 606 Liberty St | Evansville, IL |
| RUMA BRANCH | 101 Main St | Ruma, IL |
Showing 2 of 2
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1887 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 62278 |
| State and County Number | 17157 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 10 |
| Domestic Offices | 3 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.ncsbank.com |
| Data Updated | 11/14/2025 |
| CERT | 30656 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $63.70M |
| Total Deposits | $58.58M |
| Total Liabilities | $58.82M |
| Total Equity Capital | $4.87M |
| Net Income | $17.00k |
| Net Loans and Leases | $27.24M |
| Assets Per Employee ($Millions) | $6.37M |
| Bank Premises and Fixed Assets | $881.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $58.58M |
Key Performance Ratios
| Return on Assets (ROA) | 0.11% |
| Return on Equity (ROE) | 1.41% |
| Net Interest Margin | 2.13% |
| Efficiency Ratio | 95.36% |
| Tier 1 Risk-Based Capital Ratio | 22.19% |
| 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 | 7.65% |
| Earning Assets to total Assets | 96.7% |
Income and Expense
| Total Interest Income | $552.00k |
| Total Noninterest Income | $39.00k |
| Total Interest Expense | $225.00k |
| Total Noninterest Expense | $349.00k |
| Net Interest Income | $327.00k |
| Pre-tax Net Operating Income | $17.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $243.00k |
| Total Liabilities and Capital | $63.70M |
Securities
| Securities | $26.48M |
| Available-for-sale debt securities | $16.73M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $9.75M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of North County Savings Bank?
$63.70M as of the latest filing.
How much are North County Savings Bank's total deposits?
$58.58M in total deposits.
Where is North County Savings Bank located?
Red Bud, IL.
What is the Net Interest Margin?
2.13%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1887.
What is the Return on Assets (ROA)?
0.11%.
How much are total loans and leases?
$27.24M (latest filing).
What is the total interest income (latest filing)?
$552.00k.