BlastPoint's Banking Scorecard
North County Savings Bank
Micro
Specialty: Other
IL
FDIC cert 30656
Designations: ✓ Community bank ✓ Mutual
Red Bud, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
North County Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.95% below tier
- - Net Interest Margin 1.76% below tier
- - Efficiency Ratio 27.51% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.5M
+3.5% YoY
-0.3% QoQ
|
-$154.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$27.6M
+0.5% YoY
+1.2% QoQ
|
-$111.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$58.3M
+3.1% YoY
-0.5% QoQ
|
-$125.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.14%
+153.8% YoY
+98.6% QoQ
|
-0.95% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.10%
+29.0% YoY
+4.2% QoQ
|
-1.76% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
95.24%
-18.9% YoY
-3.4% QoQ
|
+27.51% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
47.29%
-2.5% YoY
+1.7% QoQ
|
-27.23% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.99%
+10.3% YoY
+4.2% QoQ
|
-6.41% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
22.20%
+1.7% YoY
+0.0% QoQ
|
+13.34% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.25%
-12.2% YoY
+35.1% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.14%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
95.24%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.20% · Tier avg: 8.85%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.99% · Tier avg: 22.39%
13
13th pctile
Total Deposits
Current: $58.3M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.5M · Tier avg: $217.5M
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.29% · Tier avg: 74.53%
10
10th pctile
Total Loans
Current: $27.6M · Tier avg: $139.2M
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 95.24% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.10% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.10% · Tier avg: 3.85%
7
7th pctile
Efficiency Ratio
Current: 95.24% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
10
10th pctile
Total Loans
Current: $27.6M · Tier avg: $139.2M
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.29% · Tier avg: 74.53%
11
11th pctile
Total Assets
Current: $63.5M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $58.3M · Tier avg: $183.7M
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.99% · Tier avg: 22.39%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.20% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%