North Central Bank is an FDIC insured institution headquartered at
126 E High St, Hennepin, IL 61327.
Deposit Rates -
August 24, 2026
SAVINGS RATES
APY
MIN
Savings
0.10% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.25% $10,000
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6 Mo CD
0.25% $100,000
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12 Mo CD
0.25% $10,000
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12 Mo CD
0.25% $100,000
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18 Mo CD
0.35% $10,000
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18 Mo CD
0.35% $100,000
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24 Mo CD
0.45% $10,000
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24 Mo CD
0.45% $100,000
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30 Mo CD
0.50% $10,000
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30 Mo CD
0.50% $100,000
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36 Mo CD
0.55% $10,000
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36 Mo CD
0.55% $100,000
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48 Mo CD
0.75% $10,000
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48 Mo CD
0.75% $100,000
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60 Mo CD
1.26% $10,000
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60 Mo CD
1.26% $100,000
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MM RATES
APY
MIN
Money Market
0.10% $2,500
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Money Market
0.10% $10,000
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Money Market
0.12% $25,000
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INT CHECKING RATES
APY
MIN
Int Ckg
0.08% $2,500
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 17241
Date Established
1946
Assets
$ 159.35 million
Loans
$ 85.95 million
Deposits
$ 137.26 million
Capital
$ 19.83 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 11.48 million
Interest-bearing balances
$ 8.63 million
Total securities
$ 49.20 million
Federal funds sold and reverse repurchase
$ 2.40 million
Net loans and leases
$ 85.95 million
Loan loss allowance
$ 1.29 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.04 million
Goodwill and other intangibles
$ 2.65 million
All other assets
$ 5.70 million
Total Assets $ 139.52 million
LIABILITIES
Total deposits
$ 137.26 million
Interest-bearing deposits
$ 116.49 million
Deposits held in domestic offices
$ 137.26 million
% insured (estimated)" 75.34%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 8.50 million
Subordinated debt
N.A.
All other liabilities
$ 0.67 millionn
Total Liabilities $ 139.52 million
Shareholders’ Equity $ 19.83 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 7.31 million
Total Interest Expense
$ 2.14 million
Net interest income
$ 5.17 million
Provision for loan and lease losses
N.A.
Total non interest income
$ 1.20 million
Total non interest expense
$ 4.08 million
Pre-tax Net Operating Income
$ 0.92 million
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