# STATE BANK OF GRAYMONT
GRAYMONT, IL · FDIC certificate 10434 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $312.7M | |
| Deposits | $270.8M | |
| Loans and leases | $196.8M | |
| Total equity | $37.2M | |
| Loans / deposits | 71.78% (p28 of band) | 82.04% |
| Liquid assets / assets | 34.59% (p75 of band) | |
| Uninsured deposits / deposits | 21.22% (p33 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.77% (p32 of band) | |
| FHLB advances / assets | 0.77% | |
| Tier 1 leverage | 11.77% (p66 of band) | 10.81% |
| Unrealized securities loss / equity | -9.88% (p43 of band) | -8.10% |
| AOCI / equity | -0.76% (p31 of band) | |
| ROA (annualized) | 1.00% (p32 of band) | 1.28% |
| Net interest margin | 3.01% (p10 of band) | 3.91% |
| Efficiency ratio | 61.27% (p50 of band) | |
| Noncurrent loans | 3.61% (p96 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 33.36% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $1.4M (0.70% of loans; DQ 0.94%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.4% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | deposits shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 3 | capital falling, noncurrent p90 |  |
| 2020-12 | 3 | charge-offs p90 | noncurrent p90 |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 3 | noncurrent p90 |  |
| 2021-09 | 2 | charge-offs p90 | capital falling, noncurrent p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking |
| 2023-12 | 1 | NIM <2.5% | securities losses >30% of equity |
| 2024-03 | 4 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 1 |  | capital falling, deposits shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | noncurrent p90, reserve under noncurrent | NIM <2.5% |
| 2025-06 | 3 | NIM <2.5% |  |
| 2025-09 | 4 | assets shrinking |  |
| 2025-12 | 2 |  | NIM <2.5%, assets shrinking |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

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

- 2014-04-10 [Minnaert comes forward Wednesday - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMipAFBVV95cUxPbUdDbFk3Z1RTYnF2N3lPVXRhSGdhdDl4UnJsMVI3b3lsdUVOMmcxdHRJU2NaYUNKY3NWaDlYWVlabF9pa1dUN2plaEUwU2JwV3FrV2U3RUo1T1k2ZUl2M28weS1adFVvZUZFZk1hNW9pZmNtQWJIRHVuTkJhaWRQZkh5bXNvTno3V210MGoxT3BqOFBUUnBfdVI1eDZUbHR4V0J5Sg?oc=5) · Pontiac Daily Leader
- 2024-07-17 [James Yordy Obituary (1962 - 2024) - Flanagan, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTlRaNThucVBtTVlmTjhQTmNSSUl6Q1RONEZ1SHAyWXVHbkxPemFKLWFFZmU1UkFEb29wYzNNWjUtSW1VOFhFemYtbFBjaXh5aEdXQ0Y0dG9FNmFSVVF3R3Q5dTJSQnM4ZXVaTnpiakl0NXd0S2dtN0ZkeFNfM1dLRUxmZ3l0ZFVMcFdrRGxn?oc=5) · legacy.com
- 2019-08-14 [Central Illinois neighbors: Obituaries published today - The Pantagraph](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWDNEVHhaUkdmTHVKNURrSW5SVGlOd3MxOE5YYkxNOVZodEl2SmtuNWlpdm5haVJhVVlmd3pzNHlJaE5jdUlEWXR2TGNwMUZDMDZMWWVhSHFDTUw1ZHRZbHZQRExFTUg2UUlqczZoTm8waERhWnJlUDFMT2xEV3VteVhhWWMzb0RsMHpnMWtQOA?oc=5) · The Pantagraph
- 2024-04-01 [Minnesota-based store opens its first location in Pontiac. What you can expect - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQeGlWeVk2Tjc0NXFFeFJsR2NJbHAxUllTLTBTYXUxcFRNemRHM2NoeUlwNld5UC1MdkRFQk53QXluaVFpUF9DdHd5cXYzRlpJNVdHU0tNUEtvX19ZZ01NRjhWX2g2M1ZubFNjVWx3RG5VNkI0QVpzcW11MzgwbVhWQ1ZFaXVyQWRKYjFST1NvQ0JWbTVsWTNNUVhOZk9xU2ljTW13UXFhdmNwd3dHU09YSE5FUFFMX291OG5tUXpPUTZKUUk?oc=5) · Pontiac Daily Leader
- 2014-11-15 [Duffy is 2015 winner of ATHENA Award - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMingFBVV95cUxPMURhdGJZWlBqaVdhZm5DVU1YS0I5b0FsTkhXZUJYMzhIRHpsdV94UDR3VGpMR0ZfSEdDUlNtUXRXYTJ4N0NOQ19adGxUQ1dVdEdLei13dWpYc00wU1FQV1hENjNkQTVsem9xWlNqdmxSS0NfdmhMSmJjM0xBczl3Wmp4eFhIWFBsbjhnU3FKRW8wNzNoQmp4TjBsQnZ5Zw?oc=5) · Pontiac Daily Leader
- 2013-10-08 [5K run set up to honor Koltveit, benefit Iowa Lions Eye Bank - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdUNfWGRfME9VMVVPSmpnZXpGXzVORmlWVHVYdm83eGZaZzJNVzN0SEZIbktxUXNVNF9jM0VwVWkzNzhMaHljSmJzbURLS2FqQVpZVjJaaG1lWTFVMzFLUWVzSEtxQzRLRFRKVHZud1hoemtqNk56U0FvZkI2ZUlRWHVvTUl3TUlrS0hZVi12UQ?oc=5) · Pontiac Daily Leader
- 2025-10-02 [Where is Monster The Ed Gein Story Filmed? All Shooting Locations - The Cinemaholic](https://news.google.com/rss/articles/CBMidEFVX3lxTE1wT1Yxc21KNnRNTFcyQWVqT3N0cEx5bXYxem05QUNjMFhqeWpXd0xTZnpCM2xGM3A2VXlheXJSLTI0ZE80Sk9Hdms5OGZMemlwUmUtMENObGs4UjBLRzF2MXdWNmZBQ0dtTVBuY0pJTzdrMUxr?oc=5) · The Cinemaholic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10434 (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/2.json (key "10434", 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