# TOMPKINS STATE BANK
AVON, IL · FDIC certificate 10849 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $303.5M | |
| Deposits | $274.3M | |
| Loans and leases | $169.5M | |
| Total equity | $28.6M | |
| Loans / deposits | 61.29% (p14 of band) | 82.04% |
| Liquid assets / assets | 39.01% (p81 of band) | |
| Uninsured deposits / deposits | 20.27% (p29 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.82% (p29 of band) | 10.81% |
| Unrealized securities loss / equity | -16.24% (p29 of band) | -8.10% |
| AOCI / equity | -1.77% (p10 of band) | |
| ROA (annualized) | 0.98% (p31 of band) | 1.28% |
| Net interest margin | 3.56% (p31 of band) | 3.91% |
| Efficiency ratio | 69.17% (p71 of band) | |
| Noncurrent loans | 0.20% (p33 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p76 of band) | |
| Reserve coverage of noncurrent | 413.69% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 17.07% (p22 of band) | |
| Auto loans | $1.6M (0.96% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 57 | |

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

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

- 2026-03-18 [Brad Beekman Wins Republican Nomination for State Senate 36th District - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZmJ4UmJEUGxhZFUzdUJ3NlBzS0k1VC1ER0dVSWdRSVFJQWhPczJlRVBBWHdzZ0xNanhCVGI5cGlUOGhBNktXdl9oVl9xaV8waVBReDQ0ZXZnbkZhY0p0QzhrN2JTVFBWbHg4M0M3OFRTbDFTVHcxeU8tLUhjdjlCRE03MWpEWmRUZlJjUmFhTmo5STM0dFJvbXY0VUk5WGNu?oc=5) · Radio Monmouth, IL
- 2025-11-26 [David Peterson Obituary - Galesburg Register Mail](https://news.google.com/rss/articles/CBMiXEFVX3lxTE0yWFlnaGh3MjEzTVlRcXRlaFpPOS1wTVdHelhBMW84NTVRNUhQSEtxUjRSa0VTdmx5ZjhKdGxwYTB0ekpBTlBpc0JsUFFaMFFqYzVZWlBVc3NGbktu?oc=5) · Galesburg Register Mail
- 2026-02-26 [Illinois State Representative District 94 Candidate Bailey Templeton - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMingFBVV95cUxOVEt5dl9EVWphRUE0SUM4QXJzZ2Y5OElxdzl4UExXVE4xbUlNdmxEbG50a01QSFk1aUNHc1JoLU9nc2VaTldBbW9kYTFVaGZaTmRiLTI2dEFfUlNRal95Y0MtTUd3LU83QzRfOUNCLW1Bc2dVLWFkVzFOY1I0QlBGM2tqVEtlUFZTYW52MGZITm44N3ozaThXd2JwV1pWZw?oc=5) · Radio Monmouth, IL
- 2013-11-20 [Obituary information for Cheryl L. Cummings - Hurd-Hendricks Funeral Homes](https://news.google.com/rss/articles/CBMijAFBVV95cUxQNWo0ak01MlVFTGhnalFhd0E5bmQzRHBEMWVtNTExeWo5WUxEU1N6cHQ4ODJtYU5BNUItWVdCa0xST2M1NFdXRVJKT1QzakZxV2V5OXdHTllOT1F2ZTlSR01OM2paZTFaODBpN1laQng2WmktV2J6MjZWUnRDdzBoQV8teFhEanNNS2FXTQ?oc=5) · Hurd-Hendricks Funeral Homes
- 2009-01-31 [Obituary information for Rodney Dale Godsil - Hurd-Hendricks Funeral Homes](https://news.google.com/rss/articles/CBMijgFBVV95cUxPOWMxU0RGUlNlSmgwcnhkYTV3VlFsVDdUWTYyU2tpYndGRjgzMlRPY2NwRC1yeGJWSi1ZWDdmZVVxODJ6bXpaSlA3RnU3YkppcjVtRGlYWWhlYVl1RngwbnI2eFZZdm1iaDByZnE2QlpRdlF1QUp3dXpEWm9lYnBiTW5wQkFTUDkyWGFKVUJR?oc=5) · Hurd-Hendricks Funeral Homes
- 2017-06-08 [Eloise 'Ellie' Dare benefit and auction Friday - Galesburg Register Mail](https://news.google.com/rss/articles/CBMiogFBVV95cUxQQ1lXZFdTZVdaZWRHNmdrVXFrd1NOcFVzQlh5d2xrSDBBQjNTMWt3d09WSmRmSjA1NktHME5CWVlYbkFKYXliQkFtdnY5ZElYS2ExMjdLeXNyb3JkeHQzai1ZQWV3aG8wa01NZHI1OFYtWTEyNHdLeXNta19MTFVPMnctZEFUU1haMEEzOEREX3hEbFZxNnRiRDdZbUdzMTVoaVE?oc=5) · Galesburg Register Mail
- 2026-04-14 [United Way of West Central Illinois Announces Spring Allocations Recipients - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMisAFBVV95cUxNcFlleFVmSTFVdUtQX29XdzlRbzZkTDhsYWlrY3RDMzM5ZmtSNjFTQ3NyMjBCUUlSWXJyLUY1WkczdE81UXZYLXJMS1RKRS1aYmdTZlhIS2ZyMmZhbDk0X25RYlplUTJsMjZkZXhkbElVU2xQRHlhTlFyUUVoa2xNaV9NZHZ0TlBnZ1dEbUVMZGI0SXdXdDJ0NE9IU0lDRzdFMzRYTWg5REdpbUc0eEdTTg?oc=5) · Radio Monmouth, IL
- 2019-04-15 [Energy projects coming to Galesburg, ROWVA, Williamsfield schools - Galesburg Register Mail](https://news.google.com/rss/articles/CBMiowFBVV95cUxPQWlvSmtqMlJWWVFBR1c3ZVNqX2hQb1pkYlAxNDU2c2dLd1cydlU4Y1dFSkt3aEhvRllFeWxJUUxIZ0NXcnZUOERwb0pBVkxTNFBPR1loY1pZRHNob3E3cmVQNTZ5dG9DUURwX2pyNU9IZTFYMWJLYm95eVRqRUhIVnpJS1RtTGdZUHhVMkVnWHFDMHJlSHFMZW55alFnNkhVMktF?oc=5) · Galesburg Register Mail

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10849 (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/33.json (key "10849", 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