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Overview / Commentary
3639 North Broadway Avenue
Chicago, IL 60613

North Community Bank is headquartered in Chicago and is the 13st largest bank in the state of Illinois. It is also the 300th largest bank in the nation. It was established in 1972 and as of December of 2013, it had grown to 777 employees at 93 locations. North Community Bank 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 Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 North Community Bank had $308.04 million in non-current loans and owned real-estate with $228.39 million in equity and loan loss allowances on hand to cover it. This gives North Community Bank a Texas Ratio of 134.87% 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 decreased slightly from 172.27% as of December 31, 2012 to 134.87% as of December 31, 2013, resulting in a positive change of 21.71%.This indicates that the balance sheet and financial strength for North Community Bank has improved slightly in recent periods.

Deposit Growth


In the past year, North Community Bank has increased its total deposits by $1.4 billion, resulting in 179.33% 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 excellent.



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 $2.43 billion in assets with $228.39 million in equity, resulting in a capitalization level of 9.40%, which is average.

Institution Statistics

FDIC Certificate #20624
Year Established1972
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.43 billion
Loans$1.19 billion
Deposits$2.18 billion
Equity Capital$227.66 million
Loan Loss Allowance$724,000
Unbacked Noncurrent Loans$246.52 million
Real Estate Owned$61.52 million
Historic Data - December 2012
Assets$829.40 million
Equity Capital$38.25 million
Loan Loss Allowance$25.11 million
Unbacked Noncurrent Loans$246.52 million
Real Estate Owned$43.02 million
Profit Margin - Quarterly
Net Interest Margin2.13%
Return on Assets0.07%
Return on Equity1.01%
Interest Income$47.23 million

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