Overview / Commentary
North Adams State Bank is headquartered in Ursa and is the 383rd largest bank in the state of Illinois. It is also the 4,985th largest bank in the nation. It was established in 1980 and as of September of 2019, it had grown to 13 employees at 2 locations. North Adams State Bank's money market rates are 93% higher than the national average, and it has a B+ health rating.
Health
B+
Data as of Q3 2019
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. North Adams State Bank has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 23244 |
| Year Established | 1980 |
| Employees | 13 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.87% |
| Return on Equity - YTD | 5.8% |
| Annual Interest Income | $1.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2019vs Q3 2018 | $38.5MM$37.4MM |
| Loans | Q3 2019vs Q3 2018 | $26.8MM$25.5MM |
| Deposits | Q3 2019vs Q3 2018 | $31.8MM$31.0MM |
| Equity Capital | Q3 2019vs Q3 2018 | $5.8MM$5.2MM |
| Loan Loss Allowance | Q3 2019vs Q3 2018 | $150.00K$124.00K |
| Unbacked Noncurrent Loans | Q3 2019vs Q3 2018 | $128.00K$66.00K |
| Real Estate Owned | Q3 2019vs Q3 2018 | $0$0 |
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
North Adams State Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | $100 | - | Passbook Savings |
North Adams State Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.85%* | $250k* | - | Money Market Account | ||
| OTHER TIERS: 0.10% → $2.5k - $25k | 0.15% → $25k - $50k | 0.50% → $100k - $250k | 0.55% → $50k - $100k | |||||
North Adams State Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | $1.5k | - | NOW Account |
North Adams State Bank CD Rates
Locations
| North Adams State Bank Locations | ||
|---|---|---|
| North Adams State Bank | 114 North Warsaw Street | Ursa, IL 62376 |
| Camp Point Branch | 213 West Wood | Camp Point, IL 62320 |