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Overview / Commentary
3639 North Broadway Avenue
Chicago, IL 60613

North Community Bank is headquartered in Chicago and is the 15st largest bank in the state of Illinois. It is also the 312st largest bank in the nation. It was established in 1972 and as of June of 2014, it had grown to 761 employees at 93 locations. North Community Bank's money market rates are 36% higher than the national average, but it has a C- health rating.

Reviews (1)

Residential Loan

The loan officer at North Community bank is a con artist and thief. Tried to charge points in addition to hefty closing costs. Beware.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 North Community Bank had $250.84 million in non-current loans and owned real-estate with $233.85 million in equity and loan loss allowances on hand to cover it. This gives North Community Bank a Texas Ratio of 107.26% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for North Community Bank increased slightly from 38.70% as of June 30, 2013 to 107.26% as of June 30, 2014, resulting in a negative change of 177.15%. This indicates that the balance sheet and financial strength for North Community Bank has declined slightly in recent periods.

Deposit Growth


In the past year, North Community Bank has decreased its total deposits by -$97.64 million, resulting in -4.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth North Community Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. North Community Bank has $2.4 billion in assets with $233.85 million in equity, resulting in a capitalization level of 9.73%, which is above average.

Institution Statistics

FDIC Certificate #20624
Year Established1972
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.40 billion
Loans$1.16 billion
Deposits$2.15 billion
Equity Capital$230.30 million
Loan Loss Allowance$3.55 million
Unbacked Noncurrent Loans$196.97 million
Real Estate Owned$53.87 million
Historic Data - June 2013
Assets$2.50 billion
Equity Capital$227.26 million
Loan Loss Allowance$0
Unbacked Noncurrent Loans$196.97 million
Real Estate Owned$87.44 million
Profit Margin - Quarterly
Return on Assets-0.08%
Return on Equity-0.8%
Interest Income$43.71 million

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North Community Bank Savings Account Rates

0.10%$1k-Golden Statement Savings Account
0.10%$1k-Golden Passbook Savings Account
0.10%--IRA Savings
0.05%--Health Savings Account
0.05%$100-Statement Savings Account
0.05%$100-Passbook Savings Account
0.05%--Holiday Club
0.05%--Minor Statement Savings
0.05%$200-Corporate Statement Savings

North Community Bank Money Market Rates

0.60%$250k-Relationship Money Market - New Money Only
0.10%$10k-High Yield Money Market
0.05%$2,500-Money Market Account

North Community Bank Checking Account Rates

0.05%$2,500-High Interest Checking Account
0.05%$2,500-Prime Life Checking Account

North Community Bank CD Rates

1.40%$500-5 Year CD
1.10%$500-4 Year CD
0.80%$500-3 Year CD
0.50%$500-2 Year CD
0.40%$1k-18 Month CD
0.40%$5k-14 Month Promo CD
0.25%$500-1 Year CD
0.15%$2,500-6 Month CD
0.10%$2,500-91 Day CD
0.10%$20k-7-31 Day CD

North Community Bank IRA Rates

0.40%$500-IRA 18 Month CD

North Community Bank has 93 locations. Click to view all North Community Bank locations.