Overview / Commentary
114 North Warsaw Street
Ursa, IL 62376

North Adams State Bank is headquartered in Ursa and is the 408th largest bank in the state of Illinois. It is also the 5,256th largest bank in the nation. It was established in 1980 and as of June of 2018, it had grown to 15 employees at 2 locations. North Adams State Bank 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 - YTD0.99%
Return on Equity - YTD7.19%
Annual Interest Income$816.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$37.0MM$33.5MM
LoansQ2 2018vs Q2 2017$26.1MM$23.6MM
DepositsQ2 2018vs Q2 2017$30.7MM$28.3MM
Equity CapitalQ2 2018vs Q2 2017$5.2MM$5.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$144.00K$221.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$165.00K$253.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$72.00K
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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

0.10%$100-Passbook Savings

North Adams State Bank Money Market Rates

0.20%*$50k*-Money Market Account
OTHER TIERS: 0.10% $2.5k - $50k

North Adams State Bank Checking Account Rates

0.10%$1.5k-NOW Account

North Adams State Bank CD Rates

1.50%$500-36 Month Tot to Teen CD
1.00%$1k-36 Month CD
0.85%$1k-30 Month CD
0.75%$1k-24 Month CD
0.50%$1k-18 Month CD
0.35%$500-12 Month CD
0.20%$1k-6 Month CD
0.15%$1k-91 Day 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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