North County Savings Bank

Overview / Commentary

www.ncsbank.com

618-282-3939

411 West Market Street
Red Bud, IL 62278

North County Savings Bank is headquartered in RED BUD and is the 312^th largest bank in the state of Illinois. It is also the 4,177^th largest bank in the nation. It was established in 1887 and as of June of 2024, it had grown to 11 employees at 3 locations. North County Savings Bank's CD rates are 11% higher than the national average, and it has a C+ health rating.

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Health

C+

Data as of Q2 2024

Learn why bank health matters

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

Overall
FDIC Certificate #	30656
Year Established	1887
Employees	11
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.21%
Return on Equity - YTD	-3.01%
Annual Interest Income	$969K

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$64.3MM$66.7MM
Loans	Q2 2024vs Q2 2023	$26.7MM$26.5MM
Deposits	Q2 2024vs Q2 2023	$59.6MM$62.3MM
Equity Capital	Q2 2024vs Q2 2023	$4.5MM$4.3MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$141K$145K
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$0$0
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not North County Savings Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$0	-	Christmas Club
0.05%	$0	-	Passbook Savings

North County Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$250k^*	-	Money Market
OTHER TIERS: 0.05% → $0 - $100k \| 0.10% → $100k - $250k

North County Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$0	$15k	Integrated Rewards Checking - Qualifying
OTHER TIERS: 0.10% → $15k+
0.05%	$0	-	NOW Account
0.05%	$0	-	Super NOW Checking Account
0.05%	$0	-	Business Interest Checking

North County Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.06%	$1k	-	13 Month CD Special
1.76%	$500	-	60 Month CD
1.26%	$500	-	36 Month CD
1.00%	$500	-	30 Month CD
1.00%	$500	-	18 Month CD
1.00%	$500	-	12 Month CD
1.00%	$5k	-	12 Month Liquid CD
1.00%	$1k	-	24 Month CD
0.50%	$1k	-	6 Month CD
0.25%	$1k	-	91 Day CD
0.15%	$1k	-	7 Day CD

North County Savings Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$100	-	18 Month Fixed IRA

Locations

North County Savings Bank Locations
Ruma Branch	101 Main Street	Red Bud, IL 62278
North County Savings Bank	411 W Market St	Red Bud, IL 62278
Liberty St Branch	606 Liberty Street	Evansville, IL 62242

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