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North Central Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 17241

Hennepin, IL

2 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -0.7% year over year ($144.7M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.33%.
  • Efficiency ratio 66.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

North Central Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 1.1% in tier
  • - Credit Quality Pressure: Bottom 22.0% in tier
  • - Deposit Outflow: Bottom 22.4% in tier
  • - NIB Deposit Bleed: Bottom 55.6% in tier
  • - Net Interest Margin 0.33% below tier average
  • - Efficiency Ratio 1.73% above tier average
Get updates when North Central Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $165.9M
+0.6% YoY +1.4% QoQ
-$220.7M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $84.7M
+1.3% YoY -2.8% QoQ
-$173.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 12.4% in tier
Total Deposits ? $144.7M
-0.7% YoY +1.4% QoQ
-$182.1M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 1.33%
+0.6% YoY +32.4% QoQ
+0.01% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 3.65%
+6.3% YoY +1.0% QoQ
-0.33% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 66.20%
+0.5% YoY -10.6% QoQ
+1.73% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.26%
+68.4% YoY -24.8% QoQ
-0.66% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 58.53%
+2.0% YoY -4.2% QoQ
-19.42% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
85%
Non-Interest-Bearing Deposit Share ? 14.16%
-16.6% YoY -2.6% QoQ
-7.87% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.13%
+69.5% YoY -35.2% QoQ
-0.54% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 12.26%
-1.0% YoY +0.7% QoQ
-3.65% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.31%
-14.6% YoY +100.3% QoQ
-0.26% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 14.2%
-2.8pp YoY
-0.4pp QoQ
 -8.0pp 22.1% 20.1% 22.2% 21%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 7.1%
-1.0pp YoY
-0.5pp QoQ
 -4.5pp 11.6% 14.7% 12.5% 34%
CRE 28.2%
-0.8pp YoY
+0.6pp QoQ
 -11.4pp 39.5% 37.9% 41.4% 32%
1-4 Family 27.5%
-0.9pp YoY
+1.1pp QoQ
 -5.1pp 32.6% 28.3% 31.3% 46%
Consumer 4.4%
-1.4pp YoY
+0.1pp QoQ
 +0.3pp 4.1% 5.4% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 12.3%
-0.1pp YoY
+0.1pp QoQ
 +0.1pp 12.2% 12.2% 12.6% 67%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 21
-3 (-12.5%) YoY
-3 (-12.5%) QoQ
 -38 58 228 482 12%
Assets per Employee ($) $7.9M
+15.0% YoY
+15.9% QoQ
 +$382K $7.5M $8.3M $8.8M 66%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
-0.2pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 56%
Nonaccrual 0.1%
+0.1pp YoY
 -0.8pp 0.9% 1.1% 1.0% 22%
Allowance Coverage 5.71x
-43.1% YoY
+33.7% QoQ
 -18.44x 24.15x 5.62x 20.23x 73%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 11.0%
-1.0pp YoY
+2.8pp QoQ
 -1.2pp 12.2% 10.5% 11.6% 43%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 26%
Net Income ($, YTD) $1.1M
+5.2% YoY
— QoQ
 -$1.5M $2.6M $11.7M $40.4M 29%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Risk Growth

risk
#11 of 936 • Bottom 1.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#278 of 1256 • Bottom 22.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#121 of 535 • Bottom 22.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

NIB Deposit Bleed

decline
#91 of 162 • Bottom 55.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 14.16%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

410
Loan-to-Deposit Ratio
liquidity
Value: 58.53%
Peer Median: 77.95%
#410 of 2643 Top 15.5% in $100M-$1B

Top Weaknesses (4 metrics)

2317
Total Loans
size
Value: $84.68M
Peer Median: $258.35M
#2317 of 2643 Bottom 12.4% in $100M-$1B
2158
Total Assets
size
Value: $165.91M
Peer Median: $386.57M
#2158 of 2643 Bottom 18.4% in $100M-$1B
2123
Total Deposits
size
Value: $144.67M
Peer Median: $326.73M
#2123 of 2643 Bottom 19.7% in $100M-$1B
2088
Non-Interest-Bearing Deposit Share
funding
Value: 14.16%
Peer Median: 22.03%
#2088 of 2643 Bottom 21.0% in $100M-$1B
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