Headquartered in Red Bud, Illinois, North County Savings Bank is a si with $63.2M in total assets and $57.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1887.
Based on its Q2 2026 filing, North County Savings Bank scores 68/100, which we describe as moderate. That is higher than only 33% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 196th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (35/100; 8.45%).
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
From Q2 2025 to Q2 2026, the score rose 4 points (64 → 68), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.06% |
| Q3 2024 | 8.10% |
| Q4 2024 | 8.20% |
| Q1 2025 | 8.38% |
| Q2 2025 | 8.19% |
| Q3 2025 | 8.13% |
| Q4 2025 | 8.21% |
| Q1 2026 | 8.34% |
| Q2 2026 | 8.45% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.21% |
| Q3 2024 | -0.21% |
| Q4 2024 | -0.25% |
| Q1 2025 | -0.04% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $63.2M | 8.45% | 0.00% | 0.42% | 48.9% |
| Q1 2026 | 67 | $63.0M | 8.34% | 0.00% | 0.38% | 48.2% |
| Q4 2025 | 65 | $63.5M | 8.21% | 0.00% | 0.14% | 47.3% |
| Q3 2025 | 64 | $63.7M | 8.13% | 0.00% | 0.07% | 46.5% |
| Q2 2025 | 64 | $63.6M | 8.19% | 0.00% | 0.05% | 46.3% |
| Q1 2025 | 64 | $61.5M | 8.38% | 0.00% | -0.04% | 48.0% |
| Q4 2024 | 62 | $61.4M | 8.20% | 0.00% | -0.25% | 48.5% |
| Q3 2024 | 62 | $63.3M | 8.10% | 0.00% | -0.21% | 46.1% |
| Q2 2024 | 62 | $64.3M | 8.06% | 0.00% | -0.21% | 44.7% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| State Bank of IndustryBank Industry, IL | 86 out of 100, Very strong | $64.3M | 14.2% | 0.44% | vs |
| 1st Community BankBank Sherrard, IL | 68 out of 100, Moderate | $65.3M | 10.0% | 0.49% | vs |
| The First National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $66.3M | 12.5% | 0.11% | vs |
| GN BankBank Chicago, IL | 53 out of 100, Below average | $59.8M | 16.1% | 13.11% | vs |
| Farmers State BankBank Elmwood, IL | 33 out of 100, Low | $66.9M | 8.2% | 4.30% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
Deposit insurance
Is my money safe at North County Savings Bank?
Yes. North County Savings Bank is an FDIC-insured institution (FDIC certificate #30656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.4% of deposits ($2.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.90% (benchmark: 10%).
3 locations
Branches
North County Savings Bank lists 3 offices in 3 cities. Most locations:
- Evansville, IL (1)
- Red Bud, IL (1)
- Ruma, IL (1)
Identity & history
Profile
- Legal name
- North County Savings Bank
- Former names
- North County Savings Association
- Type
- SI
- FDIC certificate #
- 30656
- RSSD ID
- 482370
- Primary regulator
- FDIC
- Established
- January 1, 1887
- Headquarters
- 411 W Market St, Red Bud, IL 62278
- Website
- www.ncsbank.com
- Employees
- 9
Quick answers
North County Savings Bank: common questions
Is North County Savings Bank FDIC insured?
Yes. North County Savings Bank is an FDIC-insured institution (FDIC certificate #30656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is North County Savings Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has North County Savings Bank ever failed?
There is no failure record for FDIC certificate #30656 in the FDIC failed bank list.
How many branches does North County Savings Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Red Bud
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of SteelevilleBank Steeleville, IL | 90 out of 100, Very strong | $274.5M | 13.5% | 0.44% | vs |
| Century Credit UnionCredit union Saint Louis, MO | 87 out of 100, Very strong | $182.0M | 17.6% | 0.37% | vs |
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| The First National Bank of SpartaBank Sparta, IL | 84 out of 100, Strong | $114.6M | 12.6% | 0.56% | vs |
| The Farmers and Merchants National Bank of NashvilleBank Nashville, IL | 78 out of 100, Strong | $270.3M | 11.6% | 0.61% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |