# NORTH CENTRAL BANK
HENNEPIN, IL · FDIC certificate 17241 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $165.9M | |
| Deposits | $144.7M | |
| Loans and leases | $85.9M | |
| Total equity | $19.7M | |
| Loans / deposits | 58.53% (p28 of band) | 73.59% |
| Liquid assets / assets | 42.44% (p68 of band) | |
| Uninsured deposits / deposits | 27.57% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.30% (p49 of band) | |
| FHLB advances / assets | 0.30% | |
| Tier 1 leverage | 12.26% (p56 of band) | 11.76% |
| Unrealized securities loss / equity | -15.09% (p30 of band) | -6.57% |
| AOCI / equity | -1.50% (p18 of band) | |
| ROA (annualized) | 1.33% (p59 of band) | 1.17% |
| Net interest margin | 3.65% (p35 of band) | 3.93% |
| Efficiency ratio | 66.20% (p51 of band) | |
| Noncurrent loans | 0.26% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 571.36% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 7.20% (p33 of band) | |
| Auto loans | $1.3M (1.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 21 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 2 | deposits shrinking, assets shrinking |  |
| 2018-09 | 0 |  | deposits shrinking, assets shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | uninsured deposits leaving |  |
| 2021-03 | 0 |  | uninsured deposits leaving |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-02-11 [Kim McKee named president/CEO of North Central Bank - Shaw Local](https://news.google.com/rss/articles/CBMivAFBVV95cUxNd2U0Nnk5VF9JN3I1ZVMzdjAtV3JOYVBuanQ5SktrcWh2VnJuT09mNXRpVUMzNml4V3JFUWRUbFFUNklxX0REX2JsVHNvLUl3T0lNcFFjY0poakVXakxaOXJVVy1PWEJhc0pZQWQzbTBadmtWTGxrU0FmLVRoMENqTXJBTk5kWmZrYzByVVZvRlQ3d2tCMFlaTEM5VG9rbTNPdjZIWnhkMnZYejdQR2RKcnpQSXRheHNUREVyMQ?oc=5) · Shaw Local
- 2021-04-16 [Obituary for Dorothy R. Thomas - Minor-Morris Funeral Home, Ltd.](https://news.google.com/rss/articles/CBMib0FVX3lxTE9qLTlvRl9LVHA1V2VIUGhjVmRmTUJkdFI3bHBVYy1XRm1OZ2ROS3RLQVlkQUZNcUpTTnpheGxtYnVYSE9HNjZiWkN3bmhfVVgzY1E5Z0JGSkZaVGY0Wmh6Zk54aWw2LTNXQXhNZnNGdw?oc=5) · Minor-Morris Funeral Home, Ltd.
- 2021-10-09 [Eric Ciucci Obituary (2014) - Peoria, IL - Peoria Journal Star - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPVWZQTU5jTWtOc2pMS3hGQnAzVkpoVVA3TzcwVHJ3RFp4aEZHX1l3amZqcWdBVHEtRUdFcTFpNWY5V3pCQ28wLUxxRmxmckxRcnNtdFZOOThsRlFISVA2azQxSVBBblRkQ3ZBQ25SNVhWcFJZSkVlLXhFQ1JCbjJ3UjZ4X2FqQ2hX?oc=5) · Legacy obituary
- 2020-04-05 [Colmone joins lending staff at North Central Bank - Shaw Local](https://news.google.com/rss/articles/CBMimwFBVV95cUxNandTdnhPcVdpVTNJTHJ6em1UVVd3SWNRSTJUdkNHS2w1RDFLemFzN2dnZmMxMUNsT1JMT1I4TmRVWUNVOWcya1pBWGFtWmlfb21wdmxHU0p1aVh6U2VuT2Nnck12QnU0c0l2N2NSVjdnNWpCR3RLUkIwcVhySU1zaDM3dndweFFoME83MVpZY2Z6WmpzVk0zOThLUQ?oc=5) · Shaw Local
- 2020-08-26 [Kathleen Spratt Obituary (2020) - Hennepin, IL - News Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNcHdKR1FnU2F2R1JRbEIwcGNBT0RORm1OSjB6LXVRcUpkQngtYUQ5aV80MFZRTlNPaEtubjlQeEU3Zm1MdXlCMWh5YWdrZ2d3ZlgtMXVZZ3ZZTDFqQndWZ0FBREFDVjQxSm9EZjZOelRQMHhieUVaRGl4MU55cE16WXAzbHEzWXprenNQOHk5YVc?oc=5) · Legacy obituary
- 2020-02-19 [Kim McKee selected by board to be next president, CEO of North Central Bank - Shaw Local](https://news.google.com/rss/articles/CBMivAFBVV95cUxPU1hzOUxsTFZSd25HMm5pY0t3M1B5Q1dHWDJxY2VuZzZib1lGRFZwN3VtNnFoU2VyWFJuNDRabUJWODUxeHNtV25XSWZtcllPa1hUZnVlbDQ2dWZNTXY5R2RsWFhaR1Bjd0tsNmRlZ3oxaUdYeVVFbjktaHRXR3d2Mm1lLWlNeDFET1g2Q0VuYm9aYjF2MEF3clFHM3dudVJtS3d2WmFCTUFyMkFGVUxGMGlNeXY0Z2dfMmFUOA?oc=5) · Shaw Local
- 2010-12-29 [Mark Clausen Obituary (2010) - Granville, IL - Herald-News - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxOT3lYUHB6bEZhY1Q0UFVPX2QyMWdDSU1kYWtIdXRvNlNJVnJZdThROU9Gb0h4OVhpTllsaVlsck9tX1VCalM0cDZVeTlNOTVISmlPNjFzVTRrWkZLdFRiQy00Z0VqTjZWT0xTZWpOMWdWMS1CR0xqUTdya01RdVFkOE4tNzYySE5BcnUzaGQ5SUVIM3JT?oc=5) · Legacy obituary
- 2024-06-28 [Hennepin to celebrate July 4 with full day of activities - Shaw Local](https://news.google.com/rss/articles/CBMipgFBVV95cUxQbnZWSm0wVFQwYkRjc2tRZ3BGRS12VFJVWEh5UE5LMEpWOGNmYzN5N0lMbjhWQ3had2dEYnBqRC1VS3RLcHBjbEgyUUY2b2NFYWpyT3lHdkJUMUQ3MkQxWnRoQmg4eGZWeDlwMHUxZWFvQWtCeVJHRHVvanI3UWstNzN2dGxRNDlLQlg3Y1VtSExYb2dVeVI1YnlGdEN1MmRiQzRSQ0l3?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17241 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "17241", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide