# PEOPLES STATE BANK OF COLFAX
COLFAX, IL · FDIC certificate 10075 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $49.5M | |
| Deposits | $43.7M | |
| Loans and leases | $20.1M | |
| Total equity | $5.4M | |
| Loans / deposits | 45.67% (p16 of band) | 73.59% |
| Liquid assets / assets | 58.16% (p86 of band) | |
| Uninsured deposits / deposits | 20.85% (p54 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.45% (p50 of band) | |
| FHLB advances / assets | 0.45% | |
| Tier 1 leverage | 11.74% (p50 of band) | 11.76% |
| Unrealized securities loss / equity | -1.49% (p73 of band) | -6.57% |
| AOCI / equity | -1.75% (p15 of band) | |
| ROA (annualized) | 1.31% (p58 of band) | 1.17% |
| Net interest margin | 3.84% (p46 of band) | 3.93% |
| Efficiency ratio | 56.02% (p25 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 42% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.5M (7.65% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.1% | |
| Employees | 9 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | deposits shrinking, assets shrinking |  |
| 2015-06 | 2 | uninsured deposits leaving | assets shrinking |
| 2015-09 | 3 | assets shrinking |  |
| 2015-12 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 0 |  | deposits shrinking |
| 2023-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-04-13 [Timothy Scogin Obituary - Bloomington, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxOaEtWLWtRRnBrM2doSzhzeHNyVjV6LWV6R3d0OElTTE90OXVwWkM1N2FRN0tSckNGMFJyMHdZQjNpdmJ4bm1SMmdYQ3VMdUdycG5rQVhiU3ZaandaTWgtNnRvZG16c3ZwOVBzUzhqdkVXdDR2dTFtSkYyQy1BNUNKTzJ3ZEdpaTg?oc=5) · Dignity Memorial
- 2023-01-19 [Evan Wissmiller Obituary (1924 - 2023) - Colfax, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxORmRMUzkzOUZKSGZTd05jRUxyckt3NWpERVJnaENjUzhDa2JGbUxPWHVCYnRWbHo4QWRrODJoT1lUdGZNVzM4VXhKTnJ4bmxQNVV3SDNBbUlmdVV5NXNWVlJ5dGFBeG83MTdBbHJzZzU2X2FxbkFVYWVIX0c5R29fY1MtTkJWY1hrN2Z5a3dUVUlONjQ?oc=5) · legacy.com
- 2021-03-24 [Viola Hefner Obituary (1924 - 2021) - Bloomington, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNV0w1R3RKWF9hY3lTNFRjandyWmNDVFR3Mlp3cWlYZkdINFNiUk9pRFFsQldjYTFOeDItYklGVUtad253azVEajc4VGREU0lLRFhRMEhxamRpbVFEaVRrLWJNV0dVeDgwQ3pRNjdIYkF3bjNuUUtjSC1MMUFNREotVUpyR2o2NENVTmgtaXJR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10075 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "10075", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide