# MIDDLETOWN STATE BANK
MIDDLETOWN, IL · FDIC certificate 10463 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $45.4M | |
| Deposits | $39.3M | |
| Loans and leases | $31.3M | |
| Total equity | $5.7M | |
| Loans / deposits | 79.04% (p63 of band) | 72.28% |
| Liquid assets / assets | 25.16% (p30 of band) | |
| Uninsured deposits / deposits | 10.47% (p16 of band) | 19.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.61% (p8 of band) | 11.62% |
| Unrealized securities loss / equity | -0.21% (p85 of band) | -7.15% |
| AOCI / equity | -0.14% (p65 of band) | |
| ROA (annualized) | 1.18% (p53 of band) | 1.12% |
| Net interest margin | 4.51% (p80 of band) | 3.86% |
| Efficiency ratio | 58.44% (p29 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 87% | |
| Construction % of loans | 7.75% (p34 of band) | |
| Auto loans | $413,000 (1.32% of loans; DQ 0.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.9% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | deposits shrinking |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | reserve under noncurrent | deposits shrinking |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | uninsured deposits leaving |  |
| 2022-06 | 0 |  | uninsured deposits leaving |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-12 | 1 | uninsured deposits leaving |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | losing money, NIM <2.5% | uninsured deposits leaving |
| 2025-09 | 1 | capital falling | losing money, NIM <2.5% |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 1 | uninsured deposits leaving |  |

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

- 2026-03-07 [Longview, Middletown State Bank to merge April 27 in Illinois - The State Journal-Register](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNeDl4Q0JZQ3BYUDVtYU80LTAzRWd6aUlPaHlNS0t5MU9BTjAyLVR5RHEyUUxOR1A5TTNoWEZZYllCSnctM285bXNnZHVVZ2NUSDc1Mzg4UzFIVnkyMVE0aUdDVy02UFNfMGU2MG1wZmRiLWlYRVgzODh3TDhFbjNrWVpydkFXeGZ0NF9LZDZrRXpOVTBwcnVnN0U1SkRsdE5lb3lxR0tOcVQxMGR6bW9nZ0pFZWcyeEJz?oc=5) · The State Journal-Register
- 2026-02-27 [The State of Illinois Newsroom - The State of Illinois Newsroom](https://news.google.com/rss/articles/CBMitAFBVV95cUxQY1FsM1BMZ1RlR0FsZU96QWh4Z0pFQ2s1SzI0Nll6clBndVJNSlpkMTdCQzdwNXA4V0xMWHBHbTBldnprT2ltV0ZLNkJpNk4tM21uanVMakhvenI2NHRfWlEzeFpTbFR4bGh1Tl9mYzRPTDhFMW5UemljUE5xSjE0NVpfZjBrUkNrdnZjWkllaGlsOElUWUJYclpabExMNW1ETkVVQjhmbkdnYmVlRVEtd3VfckU?oc=5) · The State of Illinois Newsroom
- 2025-11-07 [Lily Owen Joins Longview Bank Tuscola as Agricultural Loan Officer - Vermilion County First](https://news.google.com/rss/articles/CBMisAFBVV95cUxQZzZMTjRpbGRmZGYtNFRudjFzSjJvblhjSjdPbEs5TTA1OGNWMTBoYXItWlRGTzlybUtrWTI3c0lkc0hWd0VkMUxkc2d2WXhFcWJnSHJOT0l1Zy1jUkVaVTJEZkZPNjJmR3QzSWdXMXZ3T1JqUHZDWXZXVDFGZjFYMDQ5dFhJY0pGcnAtYXJNdC1hRlAtQmRoLUZyOXBlZ0Y4amEtNlIzX1lXRG8yTG5tZQ?oc=5) · Vermilion County First
- 2021-10-19 [Lucille KERSCHNER Obituary (2015) - Lincoln, IL - The Lincoln Courier - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPRmoyUEJXcGpTN1NPWEZ4SWlITk0xTUs0c2FEczRlNm5aSDVSUHNubmZzekFoVDhiYzQwd3RRZU1zbXItVGVrUVFmaXFsRjUxSDJPSTh4UWU2ZVZtMVFiN0R0WkRvWE5lYVpyejV0SmYwOGozamUxUkcySXgxYjFWOFdmY1QySHd5X2FKckN1VFMwaElMMWI4LXRQbw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10463 (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/31.json (key "10463", 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