# IPAVA STATE BANK
LEWISTOWN, IL · FDIC certificate 10473 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $221.9M | |
| Deposits | $194.3M | |
| Loans and leases | $138.3M | |
| Total equity | $19.7M | |
| Loans / deposits | 70.41% (p45 of band) | 73.59% |
| Liquid assets / assets | 34.69% (p55 of band) | |
| Uninsured deposits / deposits | 32.51% (p86 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.15% (p65 of band) | |
| FHLB advances / assets | 3.15% | |
| Tier 1 leverage | 9.68% (p20 of band) | 11.76% |
| Unrealized securities loss / equity | -4.78% (p58 of band) | -6.57% |
| AOCI / equity | -0.69% (p36 of band) | |
| ROA (annualized) | 1.47% (p66 of band) | 1.17% |
| Net interest margin | 4.06% (p57 of band) | 3.93% |
| Efficiency ratio | 66.77% (p53 of band) | |
| Noncurrent loans | 0.20% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 528.11% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 28.49% (p63 of band) | |
| Auto loans | $3.2M (2.30% of loans; DQ 0.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 34 | |

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 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 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | uninsured deposits leaving |
| 2022-09 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2022-12 | 2 | charge-offs p90 |  |
| 2023-03 | 1 |  | capital falling |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2025-03 | 1 |  | uninsured deposits leaving |
| 2025-06 | 0 |  | deposits shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2019-09-17 [Ipava State Bank expanding to Peoria Heights - Canton Daily Ledger](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUXRmdS1wV1dvb2lOMkFaN2o5RXB3N2MwenN6LXR6SkczX3AtNGttS0ZuYXQ1aEhsMlZUY3h5V3V4eWN5TE1qMURUWUg4WUc2YTBOb1F0MTdsUlloOENGcTZ3VFFoazdPdFNxMDRIMXFOc1VrOTRWOFY0ZVJPTjEzQW16MktnT2xRV0gtOHhLakRNRmFjZWZobkhqZF9ZRnU1ZUxrY21R?oc=5) · Canton Daily Ledger
- 2015-12-11 [Pigg named ISB president - Canton Daily Ledger](https://news.google.com/rss/articles/CBMioAFBVV95cUxNd0JUa28teWNKcjJuQVJESzR5UFotd2VPemJFUHdtS0xoWVV4cjN3SFFkRy1tQU5DRjdYcG84Q2xOR2ZnMDBsNkRaWVpJa3QwQjg1VDVDaWR4VnZZamF0ZUI1ekV0N2pXX08taVdBWjVZV01MeC1LdWp2dlBSdDAxTUtiN3ctTTY1QkFBR2dlakdDT1VBMkdSYy05NXdJUTdH?oc=5) · Canton Daily Ledger
- 2023-10-11 [Obituary information for Dana L. Bauman - Oaks-Hines Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxPZGpHNmZuTjZ2UDVXVmhxandSRnhTY2xhRm9PNVh3c20zNlBkME1nT3d3LS03YlU4QUZHTGZWaHRQb0pRSTkyYXJ4blRzLXZBNXhjT1UwbUVqSVIxaDZYY2NGbTVMQzlxY21KV1A4SVllMUNKQmpjS1JBcmdoejZ2MA?oc=5) · Oaks-Hines Funeral Home
- 2020-06-05 [Wee-Ma-Tuk purchased by area member-owned group - Peoria Journal Star](https://news.google.com/rss/articles/CBMitgFBVV95cUxOTnYzUzlFenFMSURRMHRfdTAyekFZR05OcEQ1Z1QxbUplNW9iQkZxaW9vUVZkSjQtUllhTjhrWTNTTzZkLThrS1V6REx0a0p5cDhSODc1SUx4SkFiNk03Y0pOaHNDU05yakE5X1BCaUoyb3ZEbjhseXI2bWRDQi11bVJuZkg5S0JvR1hVUzQ0ZkplcDYzRDljQ0Z4LWtnY19kUkdHc1hraU5JanFkUXF2RmJRMWg1QQ?oc=5) · Peoria Journal Star
- 2022-07-18 [Terry L. Sliger-Stoneking Obituary (2022) - Ipava, IL - Shawgo Memorial Home - Astoria - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQSzlkZzZLZGNZOU9uVEpCZXBQcVg4b3Q3TWo0Zm44dTBNQ2ctQW9yVTVrQ2FacFdicEgtRlpwVjZZYm9naEFZcHRsMldDR3FkYWNONTJrdGtVWVdScU9OZnFaekQyQmtFbGl6TDJUcG5ld1hUb3BGRGVmaGVITWR4azhQdU5sbVdaUHBWRndR?oc=5) · legacy.com
- 2025-05-17 [Charles K. "Chuck" Gilson Obituary (2025) - Astoria, IL - Shawgo Memorial Home - Astoria - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNR19WblNsdEVtaWRXWm9zZmdiamJaVFhFcGdEWU9OMW00RktpWkxqWU5Deks5bVRmTEdZbl8zaXF3Y1NvOUdhWmtIcWZwcmJaMmp0aUhvdUtoVFh6MkVRWGREdnN1OFBaaWtXS1RnaXBTZkJ6QmxOUXVScFpQdzhZd1NiNA?oc=5) · legacy.com
- 2017-07-08 [Trooper Ryan Albin - Canton Daily Ledger](https://news.google.com/rss/articles/CBMikAFBVV95cUxPbEdiUXBtR3ZRblItMlAtemhETi1VejcxaWUyOU1waV85SzdXWmEwNUdqTU1qTDBJVW5TQmpOWFhYTGxvb3kxSnYyWEZjcnJLLTcwdGRzZnh0WlA3MzcxRDJ0WWxvZXVBelVWcGlBVzJuZ29zdHB4Vm0wUDVMRHZNalh6dnU0UEQ4R09XRTNjdWE?oc=5) · Canton Daily Ledger
- 2021-10-08 [Kayla Hooker Obituary (2014) - Canton, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOUHJoMTI3S0VtdmJtWGtUakVrZmMwb2ZtNmNWbVZVc3BDSHM5eFAzTlFzdXlGODVYNDh4UjhLM1o1UkVtZTR1eHJFRDhHdXNObFh1NDUzbUVNRlRoWXM3LUF1NWRqU2lweXZLMHVyYlZwLTY0cmhBUGt5R2NDMTN5Z01hOFd2WTRUY2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10473 (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/41.json (key "10473", 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