Bank · FDIC insured
North County Savings Bank
A $63.2M bank headquartered in Red Bud, IL, with 3 branches in Illinois. Best rates: CDs 4.00% and savings 0.05% APY.
North County Savings Bank Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#241 of 281 in IllinoisHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About North County Savings Bank
North County Savings Bank was first chartered in 1887 as Evansville Building & Loan Association before establishing its home office in Red Bud, Illinois, in 1973.
After changing its name to North County Savings Bank in 1991, the bank opened a third location in 2000, serving Red Bud, Evansville, and Ruma.
- Headquarters
- 411 W Market St, Red Bud, IL 62278
- FDIC certificate
- 30656 ↗
Branches
3 branches in Illinois
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Illinois
3 branches
Red Bud area · 1
- North County Savings BankMain office411 W Market St, Red Bud, IL 62278Directions
Evansville area · 1
- Liberty St Branch606 Liberty St, Evansville, IL 62242Directions
Ruma area · 1
- Ruma Branch101 Main St, Ruma, IL 62278Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.45% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.00% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.42% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $49 | $67 | — |
- CapitalLeverage ratio8.45%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.42%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$49Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of North County Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.