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 313th largest bank in the state of Illinois. It is also the 4,206th largest bank in the nation. It was established in 1887 and as of September of 2023, 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 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 - YTD0.12%
Return on Equity - YTD1.79%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$65.7MM$66.7MM
LoansQ3 2023vs Q3 2022$26MM$26.9MM
DepositsQ3 2023vs Q3 2022$59.3MM$62.5MM
Equity CapitalQ3 2023vs Q3 2022$4.2MM$4.1MM
Loan Loss AllowanceQ3 2023vs Q3 2022$145K$136K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$50K$0
Real Estate OwnedQ3 2023vs Q3 2022$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

0.10%--Christmas Club
0.05%--Passbook Savings

North County Savings Bank Money Market Rates

0.15%*$250k*-Money Market
OTHER TIERS: 0.05% Up to $100k | 0.10% $100k - $250k

North County Savings Bank Checking Account Rates

1.51%*-$15kIntegrated Rewards Checking - Qualifying
OTHER TIERS: 0.10% $15k+
0.05%--NOW Account
0.05%--Super NOW Checking Account
0.05%--Business Interest Checking

North County Savings Bank CD Rates

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

1.00%$100-18 Month Fixed IRA

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

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