# STATE BANK OF SPEER
SPEER, IL · FDIC certificate 10825 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $182.6M | |
| Deposits | $144.9M | |
| Loans and leases | $90.6M | |
| Total equity | $16.1M | |
| Loans / deposits | 61.90% (p28 of band) | 75.88% |
| Liquid assets / assets | 46.76% (p78 of band) | |
| Uninsured deposits / deposits | 5.48% (p9 of band) | 15.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.29% (p85 of band) | |
| FHLB advances / assets | 1.92% | |
| Tier 1 leverage | 9.15% (p19 of band) | 10.88% |
| Unrealized securities loss / equity | -2.55% (p21 of band) | -0.66% |
| AOCI / equity | 0.80% (p78 of band) | |
| ROA (annualized) | 0.27% (p15 of band) | 0.85% |
| Net interest margin | 2.74% (p9 of band) | 3.74% |
| Efficiency ratio | 65.92% (p35 of band) | |
| Noncurrent loans | 0.07% (p23 of band) | 0.56% |
| Net charge-offs (annualized) | 1.20% (p99 of band) | |
| Reserve coverage of noncurrent | 1373.85% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 9.53% (p38 of band) | |
| Auto loans | $468,000 (0.52% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 0 |  | leverage <7% |
| 2011-09 | 1 | leverage <7% |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | wholesale funding >15% |  |
| 2013-03 | 2 | NIM <2.5% | wholesale funding >15% |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | wholesale funding >15% |  |
| 2013-12 | 1 | assets shrinking | leverage <7%, NIM <2.5%, wholesale funding >15% |
| 2014-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 0 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2014-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 | wholesale funding >15% | assets shrinking, uninsured deposits leaving |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 2 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2016-03 | 1 |  | uninsured deposits leaving, reserve under noncurrent |
| 2016-06 | 1 | wholesale funding >15% | charge-offs p90 |
| 2016-09 | 1 | capital falling | wholesale funding >15% |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | assets shrinking |  |
| 2017-09 | 1 | capital falling | assets shrinking |
| 2017-12 | 2 | charge-offs p90 |  |

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

- 2022-12-01 [Merger to expand Morton Community Bank’s footprint in the Twin Cities - WEEK | 25 News Now](https://news.google.com/rss/articles/CBMinAFBVV95cUxPdjhudm4wYWRfRU01M2JjekF4QjBTWTU0SGwtb25ObFZjMUxSYlZDTUZnQjJzTHJmbW51Rkc5SnlKUlpjNG80ck9UVjFpZlRxdFF2d0gxTWJ0V2dIS1BSeVN5Szd2ZVpzMFZVa2RBa3dON2k5MzhibHRrdjNHaENJWjh1XzJLeWpKT0xnXzFaamY3aEdsei1pdU9fSmnSAbABQVVfeXFMTnAtY2pxYS1TR3A3bmRFb1JyRlBkRGRwQWQ4UnFxR0JEdUVNNmFEZnhKOGZoYjlZTUhPYVktMXJKd1VYV2FwcFRheVJKV1FROEtJcnJPaE9pQmhGNXhxQUdTYjl2S3ljWkUxcjBrelFJd193bk1lSjRBckk2ZjA1MGZfVHBaZzAzYlhNOXhESXJhbmFjQ09SRnRpc3k1ZGROb214cTZWUUhNaGZQTlRGaEU?oc=5) · WEEK | 25 News Now
- 2025-12-12 [Paula J. Sprowls Obituary (2025) - Speer, IL - Golnick Family Funeral & Cremation Services - Kewanee - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQeU5pTlFBT1FEOGFvNTlHalJLbGdJYTFKQmp0VENZYzdLOTZpOERPRTNfczdvQUdwRElNS0ZRZGRxNVB0OWxFcnhwVFNNdEdBamVZSGM3NDJuSElZMmNSOUtGU09rcHZucmlRZjE4eFFRNEFuWkxnc1ZsODA2Sk5WX1l3?oc=5) · legacy.com
- 2026-03-13 [James I. "Jim" Stahl - kewaneevoice.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5DYkZsV1JIVDMtUVljOWItSzNQZjJ2eUtFOTBOOGgwV3RnUnp6WHBpNHlnNU56NmhVay1ra2tuaklNd01xMEpNbk94MGUwVTRjeG9uLWlESWpSQ2dqRGc4TzdmSVc?oc=5) · kewaneevoice.com
- 2026-05-12 [Nola A. Graves Obituary | Golnick Family Funeral & Cremation Services? | Wyoming, IL - Tribute Archive](https://news.google.com/rss/articles/CBMic0FVX3lxTE9mLXdOQnk3SndoRFo3YWFRTGdBSGxrWENYV0Nua3ZwRlVYSUZFMGU1bTJTd2lPeTU2bTFlWGYyLXdVajFmWWRELUxtMmpwNk1IekVZVlF0eVEyVUNXSW5US0NDNkVVamtIOWtpaUxydE5KZ28?oc=5) · Tribute Archive
- 2015-04-02 [Former head of Friends of Friedrichshafen sister-city group pleads guilty to theft - Peoria Journal Star](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNbnB3U0RJMzFsS2IwZV8yUWJxYkg0WkVGY0hvX3hvSFl2Zzgtemp4c0Q4WTBkZjI4c1owRTBTRkdUUmNqeVpzSU9lemNlSWRRS09FQ25iVWFMY3lfTTI0ZTBMUjllZDhlOWxHNm8zOWVtSlI2S2dFbDBTcHptcDY1dG9PYTlWNkV6ZmpIZllhTU5XZEZHZlhTNFFzX29CZkNLeFJuZmo3dmZkTWM?oc=5) · Peoria Journal Star
- 2007-12-25 [Sarah Bowen Obituary (2007) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUi12ZW9zVm1VeXNPR2JfYXlGQXk5dkpES25PaWFSM2ZWSFpHUzR1Q0Y5N2plajJMMVpVTWpLbEtaSVBvdV9DZjdOZk12MDY0Slpfd1pTYTY1T0I0Z3dwbHY2WGdUcUNqNEZFc0Y1eWhpVk1zcG83WVhsVk5CcVBZSWFlMnFJMk5R?oc=5) · legacy.com
- 2008-03-01 [Lindsay Wilkins Obituary (2008) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQi0wMEd5dnp1NS1xa1ZFaXNLZEhheFBvN0hTd0tyRm9nMDVqemVxSEs3Y1I5NzJvS0c5clB1TFpubFkyekdTSHNia3RuZFdPc2dwUFBabTZjYkZlQ3ZDbXFGRF9yajZKUTBqVUdHdjgwMVZ4YXFQZzVBSm9aaHdrYm10b2J4NnlkNURsNzdn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10825 (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/9.json (key "10825", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide