# REYNOLDS STATE BANK
REYNOLDS, IL · FDIC certificate 10080 · asset band <$300M · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $108.2M | |
| Deposits | $94.5M | |
| Loans and leases | $9.1M | |
| Total equity | $12.9M | |
| Loans / deposits | 9.26% (p3 of band) | 68.14% |
| Liquid assets / assets | 91.30% (p99 of band) | |
| Uninsured deposits / deposits | 47.91% (p97 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.24% (p44 of band) | 10.68% |
| Unrealized securities loss / equity | 20.82% (p99 of band) | 2.41% |
| AOCI / equity | 7.48% (p94 of band) | |
| ROA (annualized) | 0.91% (p50 of band) | 0.92% |
| Net interest margin | 1.77% (p4 of band) | 3.52% |
| Efficiency ratio | 39.52% (p2 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | -0.03% (p8 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 29% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $29,000 (0.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 2 | noncurrent p90 |  |
| 2012-09 | 3 | deposits shrinking |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | assets shrinking |  |
| 2013-09 | 3 | AOCI drag >20% of equity | deposits shrinking, assets shrinking |
| 2013-12 | 1 |  | noncurrent p90, AOCI drag >20% of equity |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | NIM <2.5% | noncurrent p90 |
| 2016-06 | 0 |  | reserve under noncurrent, NIM <2.5% |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | deposits shrinking, assets shrinking |  |
| 2017-06 | 0 |  | deposits shrinking, assets shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 3 | NIM <2.5%, reserve under noncurrent, deposits shrinking | capital falling |
| 2019-06 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 | reserve under noncurrent | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | uninsured deposits >50% | reserve under noncurrent |
| 2020-12 | 2 | capital falling | uninsured deposits >50% |

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

- 2020-09-25 [PNB to acquire Reynolds State Bank - Kewanee Star Courier](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdjc0eVlOSmZrdzdyM2g5cl9rSzFNYXMzVDBINVRHYVl0MmJvbDNBYkFUUGFXZWZXaFMtcjV0ekxDNGxnMVZIRjhpSFRJNDBFZmg3VGpwdGJaTmpnYkY3WXFiaFN1NnM3enVTZFo4M3V0SnZTR05sbXlGUmZZQUFrZWhKWW1PZzBxQmJXdGMzUHQyLWRtMmJYX2I1cw?oc=5) · Kewanee Star Courier
- 2023-06-01 [Clara Mae Harrison Obituary Jun 1, 2023 - wheelanpressly.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5OMHExRTBMUE1VeU1MTTNtNDV0SjEyZkVrMGM2RnBkdzl4a3B6LU5vaUpQNzE4R0MzVnp4ZWhpYS1CZkx4YVByR1FJcTNuNmdTZkxZbm90V0ZOb3pHYXJScG5XTjV6ZkE?oc=5) · wheelanpressly.com
- 2025-04-29 [Doris Jean Moffitt Obituary Apr 29, 2025 - Smith & Sons Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE85OUJLdm12SG9ScTJoRXhVVkg0T2NJQzlDVG9TczBKMXZrcjhEMFpNcEVXQ1lEd19ObHRKY2F5WWhfUnpzcEJGTEhnUWJ6al91YTVXQzNmdEEwRV9abjlXTmtWRERPQ2plTGY2aVlibw?oc=5) · Smith &amp; Sons Funeral Homes
- 2018-01-07 [Cynthia A. "Cindy" (Frakes) Flack Obituary Jan 7, 2018 - wheelanpressly.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9qOVNaVURNNE9HaGxjRVJLNzhGRlNkQUJzVEtzM2c5Sy1qMTJIMGNtcENBb0Q2TFpJVS1JeUJGWFJLcS1KaHVpclgtZVYwSkNnb1J4WE1jREt2anBRVWFrbjJCcDZTZVF6V1JNRy1RSkFmOGloVlE0?oc=5) · wheelanpressly.com
- 2020-08-26 [Obituary for Roger Stancliff - Vandemore Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibkFVX3lxTE91ampDQ2pZU2ZuVU5IcW5aa1IwaFVDNVM1Q2ZRVHVwN0EyOGVXUFlLdVZPdU5Vc0ZGekxScXZyY0Z6YWE2MnRfT0VDWUZIVEhjWm90all5VVlCbWl5SGQ5Q1RrY0U5YVFhYXRlR1ZB?oc=5) · Vandemore Funeral Homes &amp; Crematory
- 2018-05-10 [Weiss Ratings Releases List of U.S. Banks Earning Rare A+ Rating 5 Years in a Row - Issuewire](https://news.google.com/rss/articles/CBMivgFBVV95cUxPS2k0Z0JkOTI3REk0NXpoblI4cDlJTVhudEFVbHFsRjVTeGUzY2dIa09vdGM0OThFUkktTG0yNHZBN01iNWkwNGJtVkcwNzdXa1oxN2I1emU1OU96UldUazl1OE5BbXgxTjZBX0ZoQ1FINzQ3RFo2Wi1XaTVsdmhtX0thY0dYdXpDazd1VjFyTldVWm1oWGlTejNTOFhFbEZoVmtjUDluQm1LLS1iZmkwQktJQWtLNHdTbERic1lB?oc=5) · Issuewire
- 2025-07-04 [Leonard C. Blick Obituary Jul 4, 2025 - wheelanpressly.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1pYzJYWTJKR1ZUMTdfTXcyMlVTQnNKeVh4NU5pbTVHVnhoSTRUczFySi1FVi1fbTRqMWpxbzRGZlFrSGRUbHV5M3ExSkNGYkYxZ1NONW9OVEE3dzg1enQ1Z1BDMEhpZw?oc=5) · wheelanpressly.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10080 (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/32.json (key "10080", 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