North County Savings Bank

Overview / Commentary
411 West Market Street
Red Bud, IL 62278

North County Savings Bank is headquartered in Red Bud and is the 342nd largest bank in the state of Illinois. It is also the 4,552nd largest bank in the nation. It was established in 1887 and as of December of 2020, it had grown to 12 employees at 3 locations. North County Savings 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 County Savings Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #30656
Year Established1887
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.73%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$60.2MM$53.7MM
LoansQ4 2020vs Q4 2019$26.5MM$26.8MM
DepositsQ4 2020vs Q4 2019$55.0MM$48.6MM
Equity CapitalQ4 2020vs Q4 2019$5.0MM$4.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$130.00K$130.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$0$0
Real Estate OwnedQ4 2020vs Q4 2019$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 County Savings Bank Savings Account Rates

0.50%--Christmas Club
0.10%--Passbook Savings

North County Savings Bank Money Market Rates

0.25%*$250k*-Money Market
OTHER TIERS: 0.10% Up to $100k | 0.15% $100k - $250k

North County Savings Bank Checking Account Rates

1.51%*-$15kIntegrated Rewards Checking - Qualifying
OTHER TIERS: 0.10% $15k+
0.10%--NOW Checking Account
0.10%--Super NOW Checking Account
0.10%--Business Interest Checking

North County Savings Bank CD Rates

0.75%$500-60 Month CD
0.65%$500-36 Month CD
0.50%$500-30 Month CD
0.50%$1k-24 Month CD Special
0.40%$500-18 Month CD
0.25%$500-12 Month CD
0.25%$5k-12 Month Liquid CD
0.15%$1k-6 Month CD
0.10%$1k-91 Day CD
0.10%$1k-7 Day CD

North County Savings Bank IRA Rates

0.50%$100-18 Month Fixed IRA

North County Savings Bank Locations
Ruma Branch101 Main StreetRed Bud, IL 62278
North County Savings Bank411 West Market StreetRed Bud, IL 62278
Liberty St Branch606 Liberty StreetEvansville, IL 62242

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