# DEWEY BANK
DEWEY, IL · FDIC certificate 10803 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $30.3M | |
| Deposits | $25.3M | |
| Loans and leases | $21.9M | |
| Total equity | $4.0M | |
| Loans / deposits | 86.19% (p73 of band) | 73.59% |
| Liquid assets / assets | 21.05% (p24 of band) | |
| Uninsured deposits / deposits | 18.16% (p44 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.30% (p66 of band) | |
| FHLB advances / assets | 3.30% | |
| Tier 1 leverage | 10.58% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -1.46% (p73 of band) | -6.57% |
| AOCI / equity | -0.33% (p53 of band) | |
| ROA (annualized) | 1.62% (p73 of band) | 1.17% |
| Net interest margin | 5.17% (p93 of band) | 3.93% |
| Efficiency ratio | 67.46% (p55 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 735.71% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 8.52% (p36 of band) | |
| Auto loans | $771,000 (3.52% of loans; DQ 2.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 3 | capital falling, charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2013-03 | 2 | leverage <7% | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 1 | AOCI drag >20% of equity | capital falling, leverage <7% |
| 2013-09 | 2 | securities losses >30% of equity |  |
| 2013-12 | 3 | reserve under noncurrent |  |
| 2014-03 | 3 | expense ratio p90, uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 6 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-09 | 5 |  | assets shrinking |
| 2014-12 | 5 | losing money, assets shrinking | uninsured deposits leaving, capital falling |
| 2015-03 | 5 |  |  |
| 2015-06 | 4 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2015-09 | 3 | assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2015-12 | 4 | deposits shrinking |  |
| 2016-03 | 5 | uninsured deposits leaving |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 | capital falling | losing money |
| 2016-12 | 4 |  | capital falling |
| 2017-03 | 3 | losing money | assets shrinking, deposits shrinking |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 5 | noncurrent p90, reserve under noncurrent, assets shrinking |  |
| 2017-12 | 5 | capital falling | assets shrinking |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 | uninsured deposits leaving | capital falling |
| 2018-09 | 4 | charge-offs p90 | noncurrent p90, uninsured deposits leaving |
| 2018-12 | 6 | capital falling, uninsured deposits leaving |  |
| 2019-03 | 6 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2019-06 | 2 |  | capital falling, uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 3 | uninsured deposits leaving | expense ratio p90, losing money |
| 2020-09 | 2 |  | uninsured deposits leaving |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 2 | leverage <7% |  |
| 2021-06 | 0 |  | reserve under noncurrent, leverage <7% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | leverage <7% |  |
| 2022-06 | 0 |  | leverage <7% |
| 2022-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2024-03 | 3 | capital falling, deposits shrinking, assets shrinking | charge-offs p90 |
| 2024-06 | 1 |  | capital falling, assets shrinking |
| 2024-09 | 0 |  | deposits shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | deposits shrinking |  |
| 2026-06 | 0 |  | deposits shrinking |

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

- 2025-03-19 [March 19, 2025 Severe Weather Recap - National Weather Service (.gov)](https://news.google.com/rss/articles/CBMiVEFVX3lxTE9lRjRZa2ZPNXFuVDhpVmJkdlFuS2ZwQWVDSnRzaUxaVk5EYWJDaFd4NFFmQTdmcHU3eG9hY09GSE1mOElMM0JTNVo0R1U2QWFSZjNuMw?oc=5) · National Weather Service (.gov)
- 2023-07-16 [Kay Horsch-Rayburn Obituary (1937 - 2023) - Savoy, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQY0NfQ0Ywa3pGUTZWMFJBbGFIaGFEaFlySGVHR0J6Rk1kVHl1dTZpTVpzQkZlUlFmUXJPaGJxRkYwemljMDk0OUM4YV9oZzgyRERkYjZJaUtGS0NGZk5ST09aQVZ3VnhpYVJVN2xtdWk4eXhnNFZacVdONE1pbDhod1lQSVRtYTJiS3N2NDZ0dWhZRWJQaVRF?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10803 (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/51.json (key "10803", 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