# BANK OF CARBONDALE
CARBONDALE, IL · FDIC certificate 10828 · asset band <$300M · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $268.9M | |
| Deposits | $240.4M | |
| Loans and leases | $119.6M | |
| Total equity | $26.2M | |
| Loans / deposits | 49.74% (p30 of band) | 61.37% |
| Liquid assets / assets | 48.93% (p66 of band) | |
| Uninsured deposits / deposits | 29.07% (p77 of band) | 20.48% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.41% (p1 of band) | 10.54% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -19.24% |
| AOCI / equity | 0.60% (p100 of band) | |
| ROA (annualized) | 0.50% (p28 of band) | 0.80% |
| Net interest margin | 2.18% (p10 of band) | 3.08% |
| Efficiency ratio | 81.11% (p72 of band) | |
| Noncurrent loans | 1.04% (p80 of band) | 0.23% |
| Net charge-offs (annualized) | -0.09% (p4 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 16.03% (p46 of band) | |
| Auto loans | $405,000 (0.34% of loans; DQ 2.96%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | noncurrent p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2015-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, charge-offs p90 |
| 2015-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 3 | deposits shrinking |  |
| 2019-09 | 2 |  | deposits shrinking |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | NIM <2.5% |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | noncurrent p90 |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | leverage <7% |  |

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

- 2022-06-21 [Bank of Carbondale to merge into First Southern Bank - KFVS12](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaWNOWWpLZHgtQnNDYUdrV3liRWxabnQ4WHNBOF9IcUUyMFZTTGZxWVkyNnFGa1Baa3luY1BCeE9kR0kyNGtUcDZFT3VTX04ySDRud2hBU2pNVHplcnd5bzZ5UlBnellFc0phZHNlZEhLSTF1U1Q2N3RqeGljbVRWQTVTU1JEa2VI0gGcAUFVX3lxTFAzU1FNTzhSYTNMM3B1OGRwQ1pEVVI4emk5aE1fVWJCZjA3bXhCcHR0YV9RQzlCVGpsUWVOZnpmTFFVTm1rUFd4dGc2RmN1NkNSQTN2RnF4bkI4TmI3b01Da2V0ZHQwcFNuRTVTMWlNQlMwZW92Q2stYVJBSjVOYl9fcFZtRGI0U0oyVnl2dmo0UHBZaUFGRW52cm9WYw?oc=5) · KFVS12
- 2022-01-13 [Bank of Carbondale, First Southern Bank to merge - Southern Illinoisan](https://news.google.com/rss/articles/CBMizAFBVV95cUxQaHRwZjRlanFkeFpGamRVT2tnbXdpSE9zS2VxbF9WU0RjNDhDVWs2M0lGV2pCd0JTVW1TcGNLQ1ljUFpGLXVlajdya0xiVDdPT1gzM21EaFdXWWJRZkhqRnVLWmFldUdLNlplazFBNFR6R0Z3ZWhKZDJUamctMWJUTXgwMGpWRjRJajVfTkNqRGtURTlYUEtMMlZSeU8wdV9QRW5ISjBRRzZNei1IUk9IalZhMzRxTGtBSjM5Yk5tY2xiWGc1aU1QM2tTaU8?oc=5) · Southern Illinoisan
- 2022-01-12 [The Bank of Carbondale to merge with First Southern Bank - KFVS12](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQdDk3RmFYd3EtbWEzdHhEb3M1YmJUTllla1NKYlY5TjVVMmJqOExOWEo0MlUyWTNVU3BUdm05TnhLLS11MHJ1UWx1anFMMFg2TDRwbm0yR0JNNGF3VVZXemp5ZnRMQUZLUUZwX0hmRTh6SXNoaG9NSEQ2emptbGVyNGVJNXFidFY00gGcAUFVX3lxTE5xY1VTZGwwVERKbnJBSjRQM2M3eGgxeUt4WlI5WGx4QkpYRWsxTnFic2JGLTAwU2VsSjNpRUU3bWNkbU5YN25EMHNEV3ZvWlhqU1RaTHZzSGY4Q2w0OXhTclplNkZOX2x0dkw0ci1xRjk4eURUV0JkTmNKWVkydVVBNW5abFduMFdOMXltRTFPWDRIM2h5MDRvTzBjbQ?oc=5) · KFVS12
- 2019-08-16 [Social Seen: The Bank of Carbondale celebrates 100 - Southern Illinoisan](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNaERBVTRYeE5UUzdJYnVUWkVRZmoxbGthUEd0TkJHTlJGcjdrZTBucmluN1p3WjFEdDVzek9kOG9LQjNabjRndUN6YTNGd1M3Sm9hejFIZW9qUnJaTjRCR0hNckFiQy1OYkk2QWU2bU5iUFpMeDlLZFl1ZUFVTllDc1pjXzVaY2NZSmJvaU9yb0Z4LVZjSUxPNUlxMHNyTFk3LUVrQWJ5UUY5SnpYN2RxaWk2eXFQVDlKcjFDQ2FmZUQtOEtaWWU3NWU0Q1QwTkI5dzNFdHRSZ19YN05ZVU9CQ3JBSDdEY1Fha1E?oc=5) · Southern Illinoisan
- 2021-12-21 [Karen Emerson Obituary (1943 - 2021) - Murphysboro, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPam1hUjk3TzV3ejIzeUp3SDV4dXE0MTFPMXduQ3ZFa2I4MWt1Yy16ZFVrRGRiT3lPd2pKTDQ2elBYSl8tVzYtb2dzaVZOWHZ6c01WQWdkc25vLUtTOVVIVDdzTWczeERGWUpHZnBVM21EdGx2V00xMlVaSThpTW5RV3dtMmdKUUhlMnpKaV9wVG1VZw?oc=5) · legacy.com
- 2015-11-15 [Lipe joins loan department at The Bank of Carbondale - Southern Illinoisan](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOaVZ4Z21iX1I5OUJCaHI1MExLLTkyaFZRRVQ1YVk3eHowcjhZcWM3Z2pHRmFjU1J1eW5MWW51dW15YlZqQVpoS3A4Q3kwZmhIZVJWYl9LaFkxblhsM2hIQzhLaFEtNklkMG40VjFzUmp5QWFpa3dMbmtfdDFyQVRZSGFieVJzS1hZZVJyaTRSdTBQalJoY1hhNGxOQVNvdlRYQkRKMkh2U0RWcHM1VDZMSUVJTGpoYV9LMy1rLTEteG5rZVRXWGJyMllFWlQydlMtRHplUDNtWHY?oc=5) · Southern Illinoisan
- 2019-05-31 ['He’s an icon.' Friends and family remember former Carbondale football coach Frank Bleyer - Southern Illinoisan](https://news.google.com/rss/articles/CBMigAJBVV95cUxNQmROSUQwR1VvemNxSHVLTUdLVkpoc1N6LUtPVGI5NmdvNzVPNFg5R0V6dEt6cEZhSjdxU1lMVFBJMGxscm9ScC1qaXo2NlpIWWN1T1NZNk85cmVDNExsSE9wQllSdFo5aHhUcnRVQ3I2eWVrMnRnQk1XT3VJWWRIUDhzVjZjNnlaVGJuUzV4YUFMTmFSTjdBdjJuY0V3M2ZhUFI2WGNRZHZXejJiRTU1NE1vM2lLOXdkS1JNWC1BTkZMNkV1MVdXdTE4b2NwWDF0UXZqQXB2NXVybHRJQWtsVEZVSjlMSGVfX09PNzRTNmI2dExyakE5cXJWSWw2alZQ?oc=5) · Southern Illinoisan
- 2020-05-13 [10 Southern Illinois restaurants we miss - Southern Illinoisan](https://news.google.com/rss/articles/CBMixwFBVV95cUxOUzZkNVcxWXYtLWttTFk4NGlOYkhuQll3Rm9IMFZ1aG1pMS00Sm9qekczMEhYNWp5a09VYWhnUVhmblgzd1hfUUJBekZRSWtrZG4yODV5VW0wVDFIdzVEbzhLbl9Ma1BMckdlU1dLYXdaM05GaGlYZWt6LVEwYURjamVHT1dYb1VnNnNjcHBjc1owVGc3R2h3ck0zMDdlMTRfeTJJYkZyRmJtc1czMENtRGxvQmVuREVMNTBhcXFRUDVxSEVabFdj?oc=5) · Southern Illinoisan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10828 (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/12.json (key "10828", 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