Headquartered in Hennepin, Illinois, North Central Bank is a state-chartered bank with $165.9M in total assets and $144.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1946.
North Central Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 58th. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (73/100, 1.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 80 |
| Q4 2024 | 83 |
| Q1 2025 | 84 |
| Q2 2025 | 83 |
| Q3 2025 | 84 |
| Q4 2025 | 85 |
| Q1 2026 | 79 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.07% |
| Q3 2024 | 11.84% |
| Q4 2024 | 12.45% |
| Q1 2025 | 12.57% |
| Q2 2025 | 12.38% |
| Q3 2025 | 11.99% |
| Q4 2025 | 12.35% |
| Q1 2026 | 12.18% |
| Q2 2026 | 12.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.19% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.40% |
| Q4 2025 | 1.42% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $165.9M | 12.26% | 0.26% | 1.33% | 58.5% |
| Q1 2026 | 79 | $163.6M | 12.18% | 0.34% | 1.00% | 61.1% |
| Q4 2025 | 85 | $159.3M | 12.35% | 0.07% | 1.42% | 62.6% |
| Q3 2025 | 84 | $164.3M | 11.99% | 0.04% | 1.40% | 59.0% |
| Q2 2025 | 83 | $164.9M | 12.38% | 0.15% | 1.32% | 57.4% |
| Q1 2025 | 84 | $153.9M | 12.57% | 0.07% | 1.19% | 62.3% |
| Q4 2024 | 83 | $149.0M | 12.45% | 0.06% | 1.17% | 64.8% |
| Q3 2024 | 80 | $158.6M | 11.84% | 0.14% | 1.14% | 60.7% |
| Q2 2024 | 82 | $158.2M | 12.07% | 0.09% | 1.13% | 59.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State Bank of Western IllinoisBank Alpha, IL | 74 out of 100, Strong | $167.3M | 14.1% | 1.74% | vs |
| First State Bank of Campbell HillBank Campbell Hill, IL | 76 out of 100, Strong | $160.1M | 13.8% | 1.59% | vs |
| Illini State BankBank Oglesby, IL | 70 out of 100, Strong | $171.9M | 14.4% | 1.86% | vs |
| Brickyard BankBank Lincolnwood, IL | 84 out of 100, Strong | $159.0M | 15.6% | 0.13% | vs |
| The First National Bank of ArenzvilleBank Arenzville, IL | 76 out of 100, Strong | $158.7M | 8.8% | 0.05% | vs |
| DeWitt Savings BankBank Clinton, IL | 64 out of 100, Moderate | $173.2M | 10.5% | 1.21% | vs |
Deposit insurance
Is my money safe at North Central Bank?
Yes. North Central Bank is an FDIC-insured institution (FDIC certificate #17241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.6% of deposits ($39.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
North Central Bank lists 2 offices in 2 cities. Most locations:
- Hennepin, IL (1)
- Ladd, IL (1)
Identity & history
Profile
- Legal name
- North Central Bank
- Former names
- Putnam County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17241
- RSSD ID
- 565536
- Primary regulator
- FDIC
- Holding company
- Putnam County Bcorp Inc
- Established
- December 7, 1946
- Headquarters
- 126 E High St, Hennepin, IL 61327
- Website
- www.northcentralbank.com
- Employees
- 21
Quick answers
North Central Bank: common questions
Is North Central Bank FDIC insured?
Yes. North Central Bank is an FDIC-insured institution (FDIC certificate #17241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is North Central Bank's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has North Central Bank ever failed?
There is no failure record for FDIC certificate #17241 in the FDIC failed bank list.
How many branches does North Central Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hennepin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peru Federal Savings BankBank Peru, IL | 87 out of 100, Very strong | $208.5M | 16.4% | 0.28% | vs |
| Spring Valley City BankBank Spring Valley, IL | 84 out of 100, Strong | $207.0M | 13.9% | 0.18% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Hometown National BankBank La Salle, IL | 78 out of 100, Strong | $307.2M | 11.3% | 0.17% | vs |
| The First National Bank of LaconBank Lacon, IL | 78 out of 100, Strong | $103.7M | 11.8% | 0.14% | vs |