# DU QUOIN STATE BANK
DU QUOIN, IL · FDIC certificate 10804 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $148.2M | |
| Deposits | $136.3M | |
| Loans and leases | $47.4M | |
| Total equity | $6.0M | |
| Loans / deposits | 34.24% (p9 of band) | 73.59% |
| Liquid assets / assets | 66.47% (p92 of band) | |
| Uninsured deposits / deposits | 20.33% (p52 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.58% (p67 of band) | |
| FHLB advances / assets | 3.58% | |
| Tier 1 leverage | 10.78% (p37 of band) | 11.76% |
| Unrealized securities loss / equity | -159.06% (p0 of band) | -6.57% |
| AOCI / equity | 1.58% (p98 of band) | |
| ROA (annualized) | 0.92% (p36 of band) | 1.17% |
| Net interest margin | 3.27% (p20 of band) | 3.93% |
| Efficiency ratio | 73.65% (p68 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 7.74% (p35 of band) | |
| Auto loans | $435,000 (0.92% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | wholesale funding >15% |  |
| 2012-03 | 3 | deposits shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2012-06 | 2 |  | deposits shrinking |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 3 | capital falling, AOCI drag >20% of equity, charge-offs p90 | reserve under noncurrent |
| 2013-09 | 1 |  | capital falling, charge-offs p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | assets shrinking |  |
| 2017-09 | 0 |  | assets shrinking |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | AOCI drag >20% of equity |  |
| 2018-12 | 0 |  | AOCI drag >20% of equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2020-06 | 1 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | uninsured deposits leaving |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 0 |  | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 2 | securities losses >30% of equity, uninsured deposits leaving | assets shrinking |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 2 | deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2023-12 | 1 | securities losses >30% of equity | deposits shrinking, assets shrinking |
| 2024-03 | 3 | AOCI drag >20% of equity, reserve under noncurrent |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | AOCI drag >20% of equity, reserve under noncurrent |
| 2024-12 | 2 | AOCI drag >20% of equity |  |
| 2025-03 | 1 |  | AOCI drag >20% of equity |
| 2025-06 | 2 | AOCI drag >20% of equity |  |
| 2025-09 | 1 |  | AOCI drag >20% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2026-06 | 2 |  | AOCI drag >20% of equity |

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

- 2025-05-15 [Fed drops enforcement action against Illinois bank - Yahoo Finance](https://news.google.com/rss/articles/CBMiigFBVV95cUxPUzVBaXYwdDhUSmp3Z2JoMVBlbC1sWVRPdGhyUXRNa01YejBJb3E1WjgtWGNyUC1fcjFSdVZWeXNkd3NRSmlYVE9GbjVfbU52RzV3em1hU25OWHdDU1d1ejZQVHVkNnIyWEYxcWRLMmRWVGRmTVFiaXJ2elFzaHhHTFdqSnBNdE1INlE?oc=5) · Yahoo Finance
- 2025-05-13 [Federal Reserve ends enforcement action vs. Illinois bank - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWnJSbm5RYTVRUXN1U3R3TTJCb21ucVFuUG1QZ29WdGFSM29HbXRMcHVET3dmZ0RWdU9UWnZZeWZMZHN6SUpjamVibXdZR3Z6aHlLVFJqZ0hjLWxHaWU1anRMSl9Pc0s4ZkFaT2RaNFBtZGZMenRPQ2NSWWtOZVdMS0lXS2tIblZOWGpMNXFjMXJRT1lORUJZ?oc=5) · American Banker
- 2014-07-28 [Rednour Jr. leaving state fair post for chairman position at Du Quoin State Bank - Southern Illinoisan](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPelN5U0tIakgybk9rZ3U4TXMzem9oZ3Ayb01sZnN0V3poemw0YldacHE0NGtIUmhXQzFYMDVWZFdGYXpRbmtsVlVrN01fZ2Z4dmxlNGFtN0tXZDlWckg2Y09lM1dWYTdEb1RDSkdfWGxiSElDRW9XeWdISE5nWWZQaVZHeXhacmRhdkVxSzdrZHI0Tnk3VjlYbXgzYWtVel9hTy1rT3Jab0tMa3diT0dBS2hWZ3RvSVRQUEhzYWdfZGVQVkl5VDhPN3BycmlMYURPWFZYRFJnNjdQZF9JSmZUUEM3eFhvRGM0?oc=5) · Southern Illinoisan
- 2021-02-26 [A small town in denial comes face to face with the virus - The Washington Post](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTDBOdEVqVnpSUDNYT1IyR3hTZkU0c2p4cmJBRUh2Q2tmN1FHVGtoUVFpNUdlbW9vVmliX2VCUkVWY0xQczk4bnBNM1JEQlU3enAzTkdYenZyQUQ5MVQwSEdsY2RVWXZYUExldG4zb2Q3SWNaOTlTYXhfYXpweF82WjZRbmFwdw?oc=5) · The Washington Post
- 2013-12-01 [Former Du Quoin mayor passes away - KFVS12](https://news.google.com/rss/articles/CBMifEFVX3lxTE01X2hRUV9tSFV2cHFXRjlTRW9PcFp2S1A5clJuenlocjJSd09wZWVVcWhDMTFxN1lPTFFha3lYM2JkNVk3RXlwWERacG0tR0c5eGJUOU1rNjhHTTR3WmwzUmhhcjdGZ3dEdUxjNlo3STExY0tScE9aSENyYnTSAY8BQVVfeXFMT3NYeHktbGdwTWFhM1pvcDUtdmpnRlp1WmtadWVBWlhHQUpvUTVYX3J3ZnltSXlBZ2wyWnRRVWF0cWhqN3Njazljc0RaNlVPUWJwZG1WZ0NvVWNXa0xfeENENzRXazdGekRsWXNHQWdXMmlpTHVzcDI4TEVXSlQ3OXhVR1hTZ2g2d3RnS0pkM1U?oc=5) · KFVS12
- 2013-12-20 [John Rednour Sr. dead at 78 - Southern Illinoisan](https://news.google.com/rss/articles/CBMisAFBVV95cUxNVmpWemZ4NnVEbkI2aFhkWVFoOXFoWWZRal9Sd2hZNmx2bzF2b3BBbjByTm5ZRmtKQlVsZVFZVGU1Yi1PbnVSY3d5VkJ0Q1pydVlwOFFGUDFMY2ZSY2hrUktGMkcxX1VKY3R4ZDkzdGtXVW1zUjR5LUJHM1V4UnlFR2R3RjNjcTRPdWZKZFd6Q0Uzem1adzJEWnhYMTBONFlNSGkyT0JWelhGRXlmVmYtMg?oc=5) · Southern Illinoisan
- 2014-07-28 [Illinois Fair Managers Fined for Free Beer Tickets - NBC 5 Chicago](https://news.google.com/rss/articles/CBMingFBVV95cUxONEItSjduOERhUF9ndGZkSU9nd1FOZjZhTlplakFzaEE2cGlnWTBPWEJaMFlTc0FUbmhHSG43aTh6VzFVaVdXOURnSXVCVmY1U2dpUU5saFBkb3pjNmRlOHlTQWFuOGJnYVI4YzNWZWFuR0ZQVF9uV1BsaHNWZ2ZMdU9INWx5M1Z3QTNuMkU3ZlFJQVdxWTlCbHpRc2d1d9IBpgFBVV95cUxQNlE2QVgtYmFxb1p6RWRJQURuaHpNSVpQdVNzc3RzT0tra1VtM3otcDV2ZWJuSVNRUS1QRUpybXhkd2FkX1FtaDllamYxUVhaNkhDNExXMG54QWZTZ19wa2VFdnJTWjdFT1hZX1Y5b2UxUHRGSzdIR3c5U0NURm9SVEFZQjZCbS1EVGU0YzBzdlpXV2xQcWZ3b05RRVZvN1RKejJBX0Fn?oc=5) · NBC 5 Chicago
- 2025-05-29 [Williamson County Shrine Club Presents 3rd Annual Circus Saturday in Du Quoin - WMIX](https://news.google.com/rss/articles/CBMisgFBVV95cUxPdHBvbTJiRjFGeFFyQVNlTFRoM1dxS1hjRzYyYUx1U1g1VWtnVTZfNUJvTzY4ck5nNFVWSnl4UU9EYWtLZ2xOVUJxaVVaa2RXS2ozRU1lS3VUdGRJbTQ3S1RUdWpiTkVTRmhCUml6U2FZUlNOOEdlUHZmMmMwWkpYLXV6U2IyQlhiem5FUnZZVXk0M21RMzVjNnpvaVlNSUtzWktDOTFJVDkzSUZuTXRnYWlB?oc=5) · WMIX

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10804 (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/52.json (key "10804", 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