North Adams State Bank

Overview / Commentary
114 North Warsaw Street
Ursa, IL 62376

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.


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Additional 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

FDIC Certificate #23244
Year Established1980
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD5.8%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$38.5MM$37.4MM
LoansQ3 2019vs Q3 2018$26.8MM$25.5MM
DepositsQ3 2019vs Q3 2018$31.8MM$31.0MM
Equity CapitalQ3 2019vs Q3 2018$5.8MM$5.2MM
Loan Loss AllowanceQ3 2019vs Q3 2018$150.00K$124.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$128.00K$66.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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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

0.15%$100-Passbook Savings

North Adams State Bank Money Market Rates

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

0.10%$1.5k-NOW Account

North Adams State Bank CD Rates

1.85%$1k-48 Month CD
1.66%$500-36 Month Tot to Teen CD
1.16%$1k-36 Month CD
1.05%$1k-30 Month CD
1.00%$1k-24 Month CD
0.95%$1k-18 Month CD
0.90%$500-12 Month CD
0.55%$1k-6 Month CD
0.25%$1k-91 Day CD
0.25%$1k-9 Month CD

North Adams State Bank Locations
North Adams State Bank114 North Warsaw StreetUrsa, IL 62376
Camp Point Branch213 West WoodCamp Point, IL 62320

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