# NORTH COUNTY SAVINGS BANK
RED BUD, IL · FDIC certificate 30656 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $63.2M | |
| Deposits | $57.9M | |
| Loans and leases | $28.5M | |
| Total equity | $5.1M | |
| Loans / deposits | 48.93% (p18 of band) | 73.59% |
| Liquid assets / assets | 52.71% (p81 of band) | |
| Uninsured deposits / deposits | 4.42% (p3 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.45% (p6 of band) | 11.76% |
| Unrealized securities loss / equity | -9.72% (p41 of band) | -6.57% |
| AOCI / equity | -1.04% (p27 of band) | |
| ROA (annualized) | 0.42% (p15 of band) | 1.17% |
| Net interest margin | 2.43% (p4 of band) | 3.93% |
| Efficiency ratio | 82.60% (p82 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p71 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 93% | |
| Construction % of loans | 3.76% (p26 of band) | |
| Auto loans | $676,000 (2.38% of loans; DQ 1.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | uninsured deposits leaving |
| 2013-09 | 1 | uninsured deposits leaving | capital falling |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | NIM <2.5% |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 2 | uninsured deposits leaving |  |
| 2022-06 | 2 | securities losses >30% of equity | uninsured deposits leaving |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | expense ratio p90 |  |
| 2023-09 | 4 | deposits shrinking |  |
| 2023-12 | 5 | losing money, uninsured deposits leaving | deposits shrinking |
| 2024-03 | 4 |  | uninsured deposits leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | securities losses >30% of equity |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2025-06 | 3 |  | losing money, assets shrinking, deposits shrinking |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 2 |  | uninsured deposits leaving, capital falling |
| 2026-03 | 1 |  | expense ratio p90 |
| 2026-06 | 1 |  |  |

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

- 2025-08-15 [Jean L. Lewis Obituary Aug 15, 2025 - Pechacek Funeral Homes](https://news.google.com/rss/articles/CBMiVEFVX3lxTE5RUENiYXlucXlPT3QzSl8yN1I2SjhXS2VCQ2NyNFo1WjFPbkEwMWtVSDgwN3FjSFVTSkZQNG9PYXp5MmF1QS1xM0dUU0htb181M0sxcg?oc=5) · Pechacek Funeral Homes
- 2016-12-13 [You probably know someone who got a SWIC Foundation scholarship - Belleville News-Democrat](https://news.google.com/rss/articles/CBMib0FVX3lxTFBmUUoweUdqLUJySTdpM29yMF9rcXZIQVpLTjJjZjJCVzN6ZTRFMURhb1JkMjlRTDNMN21aMk1XckpyWk1vZXkzSWREZVhYQno5T05qdGRfUVRFc01oY2RZaFVqYmpvTmdTM1d1SFZya9IBb0FVX3lxTE51ei0xb2ZZalZvU241X2NvWTBEclBSVTc4RFhud2VOTHY5dEwyY2otWDFLYmpKRTl4OHRKa0Q3MktoanRWM0IxRnpXMnYwQzhtdFYycS1kbTd1cjd0cHJfcWZQRG1vMURZNC0tcUJfUQ?oc=5) · Belleville News-Democrat
- 2025-05-19 [Chad A Grohmann Obituary Jan 20, 2024 - Pechacek Funeral Homes](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9DRjBZMGZQRElSNU54RV9sVlBKNUxPc2lfaV9KQXVYbGJ0OXdieFRpUjZwX1lvUXpjT0E5bnZTWmRRWU9BdDJwVk1qN0RvckJad0pRYnFNRUs?oc=5) · Pechacek Funeral Homes
- 2020-12-09 [New county board seated - Republic-Times](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBfbGxqX0F3YXg4cGVRX2p2RXlDRkotWENTV3NYY1p5dGtDdW9kOW94MWIzQ251ZEp1Q2w3bkxEc3F4ZFFZb2hRQkpjNnMzdVZMaVVKaUVqYXFoYXNnWVdCVllGWWI?oc=5) · Republic-Times
- 2024-01-23 [Chad A Grohmann Obituary (2024) - Red Bud, IL - Pechacek Funeral Homes - Red Bud - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQdTEzdDNYTS1Hd0FqQ21xUEdEd2NzcXZNU3dZTFBEeVhPLVYwRXl4UWxhVk9rNmo1X2l1R3ZJSDlHTXB5ZkIxSG1hNXNBUU9ZZXlYd0Z0YTR6LTRoaEc3cFJfeWFIS0V6YWt1UmRub2xpZjdkdXhENllHX1JORFozcXNn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30656 (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/0.json (key "30656", 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.

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