Is North County Savings Bank Safe?
North County Savings Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (10/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 22.46% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 55.83% | 100/100 |
| Return on Assets | -0.26% | 10/100 |
| Total Assets | $0.1B | |
How does North County Savings Bank compare?
With a Bank Health Score of 91/100, North County Savings Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, North County Savings Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 22.46% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, North County Savings Bank's Bank Health Score held roughly steady at 91/100. Tier 1 capital weakened by 1.19 percentage points to 22.46%.
North County Savings Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (10/100).