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North Central Bank
Hennepin, IL · FDIC Certificate #17241 · Chartered 12/0
Total assets
$165.91M
Total deposits
$144.67M
Total equity
$19.67M
Net loans
$84.68M
Branches (offices)
2
Net income (YTD)
$1.08M
Rank: #3,193 of 4,213 U.S. banks by assets · #223 of 322 in Illinois. Assets changed 0.6% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 11.01% |
| Net interest margin (YTD) | 3.65% |
| Equity to assets | 11.86% |
| Tier 1 leverage ratio | 12.26% |
| Uninsured deposits (share of deposits) | 27.6% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 58.5% |
| Real estate loans (share of loans) | 74.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $62.75M | 74.1% | |
| Commercial & industrial | $6.00M | 7.1% | |
| Consumer / individual | $3.74M | 4.4% | |
| Construction & development | $1.42M | 1.7% | |
| Agricultural | $13.23M | 15.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $159.29M | $134.10M | $906.00K | $14.45M |
| Jun 2023 | $157.82M | $140.00M | $716.00K | $14.93M |
| Jun 2024 | $158.23M | $139.43M | $871.00K | $16.27M |
| Jun 2025 | $164.95M | $145.68M | $1.03M | $17.24M |
| Jun 2026 | $165.91M | $144.67M | $1.08M | $19.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $144.67M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $144.67M.
Similar-sized banks
Bank 1St ($166.05M) · Citizens Savings Bank ($165.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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