# ILLINI STATE BANK
OGLESBY, IL · FDIC certificate 10788 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $171.9M | |
| Deposits | $124.5M | |
| Loans and leases | $107.7M | |
| Total equity | $24.6M | |
| Loans / deposits | 85.51% (p72 of band) | 73.59% |
| Liquid assets / assets | 32.99% (p51 of band) | |
| Uninsured deposits / deposits | 22.38% (p60 of band) | 19.81% |
| Brokered deposits | 9.89% | |
| Wholesale funding | 22.85% (p97 of band) | |
| FHLB advances / assets | 10.76% | |
| Tier 1 leverage | 14.42% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | -16.40% (p28 of band) | -6.57% |
| AOCI / equity | -1.10% (p25 of band) | |
| ROA (annualized) | 1.26% (p56 of band) | 1.17% |
| Net interest margin | 3.20% (p18 of band) | 3.93% |
| Efficiency ratio | 51.91% (p17 of band) | |
| Noncurrent loans | 1.86% (p84 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p73 of band) | |
| Reserve coverage of noncurrent | 61.21% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 18.89% (p52 of band) | |
| Auto loans | $782,000 (0.73% of loans; DQ 2.81%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2011-09 | 2 | wholesale funding >15% |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | NIM <2.5% | wholesale funding >15% |
| 2012-06 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 2 |  | NIM <2.5% |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | uninsured deposits leaving |  |
| 2018-12 | 1 |  | uninsured deposits leaving |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 3 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2019-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2020-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | capital falling | wholesale funding >15% |
| 2022-06 | 3 | wholesale funding >15%, AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | reserve under noncurrent, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2023-09 | 3 | NIM <2.5% |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | brokered >10%, capital falling | NIM <2.5% |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 4 | NIM <2.5%, reserve under noncurrent | securities losses >30% of equity |
| 2025-06 | 4 | noncurrent p90 | NIM <2.5% |
| 2025-09 | 3 |  | noncurrent p90 |
| 2025-12 | 2 |  | brokered >10% |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-01-16 [Obituary for Donald E. Fike - hurstfuneralhomes.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9iVVR3ZWRudTJiNDl2WVg1X2FibmtaOTBJa2tjOGc4VlI0UmlOTlY1UnBab1p2OVR3T2w2ejhHbjFHSWJONmMxdGhYZHV0LU56RmpRaDZQc2hoYlRyVjBMY015RC0?oc=5) · hurstfuneralhomes.com
- 2026-01-19 [Galesburg health care pioneer Donald E. Fike, 'Godfather' of developmentally disabled, dies at 78 - WGIL](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNYUV5Qk1qRzBVX25fa295Q2tWc3FjbmZUODQ4elFZdmM4VHNrak5kYkVFVTRBVC1IVTVLbFh5OTNERm9lUnFTVHZoZzNsVVVBcVBkUkN4WmNpY2FQaDVna1NkN0hwYlNEc0M4TTB2RDl0UTdDbmdWTG9RMENMTHZxNmdyOHhlT3dTSDJqYmxSandvWEFha3ZrTExxZ1JRQWYtdlFmUXYwNktoSnVmU3NOUGhMY016WFRLOE9VRzlrcE1wS3M?oc=5) · WGIL
- 2024-06-15 [John Olivero Obituary - Peru, IL - Chicago Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTFBib1BIQ21VRVotbldaT1Z1RUp0M1N4bE9XbGlTWTNEYU5LRXlmcXluSDJrZEU3NnlwTDBKSWQyVEZKUHREa3pXUlhZQ0xVRElRWXpFSGdKTF95UWIwZlZuZUx3Ri1TZENyeFUxTDd2Y1Q?oc=5) · Chicago Tribune
- 2026-08-22 [Tonica building facade gives way Saturday - starvedrock.media](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQVV9QSmZkaUQ0NlJQVm1sc1ZZclVnZ2ViMVQwMzhjUl96NUttTU9ycWdac0FxMEdYSV9ORjJKWFlJUFdCUDhqbHNER3lVcTRjbUw3d3dRV2VsXzNyOHp6Z21YVmloWVZWdU1sdl9kVk4wMWloNE1IcjRoRkVuaTFHV3FrOWl6eklVdzJfSXlqdTdrLXdUekU2NDJkcUx2RTR3Q0Z4V2FlanpKTzJFSEtweVVkWGp1NVFDbkg4bktod05iQmVlTm8yOA?oc=5) · starvedrock.media
- 2024-02-07 [Robert Marshall Obituary (2024) - Tonica, IL - Starved Rock Media - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOU3NjX2JXUjgyczEyTFk2UmRrT3AxUXV3ZkxKbGQ3VzJkYU9fOS0yZVR2VEo3d1ZnaWhUeUtLeWZXVE9feldsUHhhaGVVOHM2VTNYaVlXRGVsRlE2QWwwMmFpX1IyTUdaMlVkUm8yMVVKeERhMWg2Um5hQk9mM3o1WHRFX21FMFd4cFNQZ182RFZaS09fcFlVdXdDWQ?oc=5) · legacy.com
- 2025-07-21 [John Ehrhardt Obituary (1957 - 2025) - Peru, IL - News Tribune - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTWYyeFd6XzdURWlQbjlKbWlKYTRjRHU0RWZRV3NmYS1UYmFoZng1ZzZ0VmFlcG5SODd6OUZmTjRtd0VkUWJfVndqQmJoUlJ2bHY0Uld3RktQODhucGc5dm5iQmhQaWRsRkV6NHFlOVBnbl9tQm5HcEZ6cld6aFlReUFWTWJldi01TWxva2F3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10788 (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/36.json (key "10788", 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