# BANK OF EDWARDSVILLE
EDWARDSVILLE, IL · FDIC certificate 1039 · asset band $1-10B · latest filing 2019-09 · 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 | $1.94B | |
| Deposits | $1.57B | |
| Loans and leases | $871.0M | |
| Total equity | $273.1M | |
| Loans / deposits | 55.31% (p6 of band) | 89.84% |
| Liquid assets / assets | 46.38% (p93 of band) | |
| Uninsured deposits / deposits | 14.94% (p18 of band) | 27.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.14% (p29 of band) | |
| FHLB advances / assets | 0.48% | |
| Tier 1 leverage | 10.55% (p54 of band) | 10.38% |
| Unrealized securities loss / equity | 4.03% (p91 of band) | 0.89% |
| AOCI / equity | 2.88% (p67 of band) | |
| ROA (annualized) | 0.68% (p11 of band) | 1.20% |
| Net interest margin | 3.01% (p17 of band) | 3.64% |
| Efficiency ratio | 69.87% (p79 of band) | |
| Noncurrent loans | 0.31% (p31 of band) | 0.50% |
| Net charge-offs (annualized) | 0.02% (p41 of band) | |
| Reserve coverage of noncurrent | 30.26% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 36.18% (p43 of band) | |
| Auto loans | $7.5M (0.86% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $6.5M (2% of equity) (p83 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 293 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2023-11-12 [Tracing the history of the BANK of Edwardsville - The Edwardsville Intelligencer](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUFIyQXVuOFRYdUk4d2F6RFo1Nzk0QzNCZGhWSXRVUHl4RUh4UUstQkdhWHMtQUw1ZUVERUNKSlAwNmNmMVdtUFN3YkV4VHRucTJ4Sm04Y0lSSkpLTkgzc0NPRG9fb3RZQnZKR3FSUHlyQlFzc2lfbUpDWWVtWHdYSTlHOGNNRkprU0hOYlJ6em43Z1VCbUFN?oc=5) · The Edwardsville Intelligencer
- 2020-08-05 [With largest Edwardsville banks sold to out-of-towners, other community banks move in - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQUGhKYTB1dTdQVWRXVWFRc1NQM0hVSjEtOFRYX3R2RmJibmIyYVpyZlIwN0laN2lGR3QxdDlJLS1uREdkaV9DeVIzTnJ4bWdqYnNDM19oT0J6eUtTSjJHNHByeHVjbUdyWXlxVlRUcTRfdkM2emUzNGZNZXdMMjB3LVUydVh3ZXpqdUlQLTYxaWd3bFRjWGVXYXBJaC1GYWVvZ3I0Z3AzQlMtdEE?oc=5) · The Business Journals
- 2022-09-07 [New bank leader’s path nurtured from rural Midwest roots - Illinois Business Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxOS3BhSnJzNWpwbllVQ1NsYm9jaDdKQmlGWHltSVNTNEZsekRzTFdWc1NZck9PV2FNdWtzMVpjS3UxTlA5SDN4bmZ3bVlUMFRzUkxWUHlZbzNhOUlCMHFyTEIxbFVRVGdRdUQ2eUxqM1BkajVRWjIzNnd6X3EwNXJ1R3EzV1JMUTZvd1dXOTY0WXYxSUNuOHZXWg?oc=5) · Illinois Business Journal
- 2023-04-25 [Yes, Edwardsville, it's 'another bank' - The Edwardsville Intelligencer](https://news.google.com/rss/articles/CBMiogFBVV95cUxQakFyZC1SODE2b1lVWHE3NDM1TXZoRjFaWXM0NDdXYWh0a18xT3VmRXFldVBZVUNNOS1kV0ZRZWZ3Y2xhQVVFTmg4cFl3UmxnY1VfZUxzQjVJanBFbjdaS3hmSElHb3c3T1FyUWotd09ITVEwSkphd245dGhkNldjOENxeGJoZnhSdENTQ1g1MmU1SVBZcF9pdVZPSUtoZENxMVE?oc=5) · The Edwardsville Intelligencer
- 2020-02-13 [What's in a name? Here comes another Edwardsville Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOQURoSnY3b1hwMEsyUU1WWHpoYWYwZ1J5VmU3RG1CUmdhQ3EydWVOb0lsWkI0Qm85VHpXVEY2cWd0Wmw1V3ZLZnItWGRNYUxhcTVEWFhpajJEcklNaXVLd3JLaTRPYTd6YUE3a0Z5QWJZSUxUYUZTdUQtWmJucGpQQnNUYWhIdmdCOGpZTEJ5ME1tcFlBZVJwWWo5M1UyYTFJRThpeDFhcw?oc=5) · The Business Journals
- 2023-03-11 [Edwardsville's Kevin Doak helping Girl Scouts for the long haul - The Edwardsville Intelligencer](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWm1TMjNNSXhKUmlCczdqZ0hYamkyY1laZXc4a2J4RkZudHBzWVhBQy1GcVFOcjl6VnFvc2tsMks0WnNqTnJBTl9MZXZaTEE3aUJvTkJnQnBJTmRpNXBvM1UxWm5PZEV0NVBXamQtQjFNck1DclJUakl0SVR4b3VHT01HVUJqTlR5T1UzSVI0ekYxeW1NU0hRaXo1dmtUQ2NUYkVTMkwxM1FsMGNa?oc=5) · The Edwardsville Intelligencer
- 2018-08-22 [Busey Bank to acquire Bank of Edwardsville - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQc1R4V2xlaWRZODFnSWhLbXFMalA3bnVnWjUtSEwyMHlNWEJjUzVCaWtTNWljRksxTHU0QWpjV0hnazR6WU53YzdYV0dVUlVlTDRCM29oWnNROHA1VG5sZ1lQY1hOWmZQdWRuV2dEZjgxajBVenpIVUZLcGxjTldTbE0zZ0g2RUN4TjQ0UmZ1V3pKVks2Q1A4N1hLa0hlMXBt?oc=5) · The Business Journals
- 2019-08-23 [St. Louis Bank plans for new branch at former U.S. Bank location - The Edwardsville Intelligencer](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQb3ZsZm9mcWwyRzdqMkRkampObGRtTWdfZG5qam5OdjRKRjcybnY0VHc0QzlZY2ZidzRqaDJKMkkyX05wOXV3cDg4VkhXc2JJWEpFUklEdXRpblFUVGExVi1Yb241TFFWalp0WjBzNlVaSWNkZWluR283M0RzQ2lCRUhhcTE5U2dPSkZvZ3RyRExQUlZsTmxIR2FjdGZJdU53SFZOSWd5VDhqa00?oc=5) · The Edwardsville Intelligencer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1039 (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/15.json (key "1039", 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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