# STATE BANK OF BEMENT
BEMENT, IL · FDIC certificate 10855 · asset band <$300M · 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 | $185.6M | |
| Deposits | $165.9M | |
| Loans and leases | $109.3M | |
| Total equity | $18.6M | |
| Loans / deposits | 65.15% (p38 of band) | 73.59% |
| Liquid assets / assets | 36.38% (p57 of band) | |
| Uninsured deposits / deposits | 28.13% (p77 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.19% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -5.30% (p56 of band) | -6.57% |
| AOCI / equity | -0.51% (p44 of band) | |
| ROA (annualized) | 0.68% (p24 of band) | 1.17% |
| Net interest margin | 3.94% (p50 of band) | 3.93% |
| Efficiency ratio | 72.18% (p65 of band) | |
| Noncurrent loans | 0.54% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 209.29% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 14.03% (p45 of band) | |
| Auto loans | $5.2M (4.76% of loans; DQ 3.11%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | expense ratio p90 |  |
| 2018-09 | 3 | reserve under noncurrent |  |
| 2018-12 | 2 | wholesale funding >15% | capital falling, expense ratio p90 |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | assets shrinking |  |
| 2020-06 | 0 |  | assets shrinking |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2023-09 | 2 | securities losses >30% of equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 0 |  | reserve under noncurrent, securities losses >30% of equity |
| 2024-03 | 1 | reserve under noncurrent |  |
| 2024-06 | 2 | noncurrent p90 |  |
| 2024-09 | 1 |  | noncurrent p90 |
| 2024-12 | 3 | capital falling, charge-offs p90 |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 0 |  | capital falling |

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

- 2020-10-11 [Beyond the Boardroom: State Bank of Bement's Michelle Gross - The News-Gazette](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPWDhPV1ZHVV8xRU1OcFV4YmJURW5KYUNhVzJXc1hZaEpaRzRxaldKcXlVT2x3SlRGaGV3SkhoNjdxdzd1RlE4dWFobGhRX3B0eWpkOEppdzFiMVZDbElIbl9fakh5eXVlT3JodVlpSTF0ZU5Ea0xzMlBnb08yR1E0WDg5Sy1hQzRSTVctdUdXVVVYamdTc3U1UmFXamg2Y01SODhYRVVuZDdUd1pMOXBQN09CVDBNOEdOSnpodjZ1c2Jwai1yNDdGeGlyTTc0TE1MRDJTSi1UdnprNV9TZ2c?oc=5) · The News-Gazette
- 2025-10-20 [Jerry Riley Obituary (2025) - Bement, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMUFoZ2MyVjl2dDRpaXhyYUlLMTJ5SFl1a0FMZUFGRmw5Szk0enZ5ZGxPMW84aHREVEhUdE01Z2pzSG54R2EyOEJjVF9zb1pfN2p5dkp5MklDN01aZDJtTUlfYzZta1JOY1NybVkyTURVVmI3UGd6WUpqMFFKNHZxU0ZCMkY3RVpXZEllOHB5Uks?oc=5) · Legacy obituary
- 2022-02-06 [Galen Heckman, Jr. Obituary Feb 6, 2022 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiY0FVX3lxTFAycFhGRkc0NWFMN2F0Wk5SRUx0ZU9aTFRDLUV5azdCTDZxbktvMC0zd01QVURGRFl0YVhialhlMWtBcXFiTm1sc0diN3I4MzdrVEFlSVlGUWpPN3FScGU4V1ZUZw?oc=5) · Horan &amp; McConaty Funeral Service and Cremation
- 2022-03-21 [Highland Park Banker Named Volunteer Of The Year - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNcTM0QVE4UHRSbUVORm1sWC05QVlLZ2U5RU5KajZUTm9EZUV3NjN0N1h5LTJXU3lZanlmZlAxdWlfbEZTQlExTmYzQXNKWWF0TFhNNXRLWTk3Y3VOYU9NbHpNYzZsQ2tqSzhSNTNPaG5rdWhwd1R3eDcyQzA0TEVXQzlMR3VlS2FU?oc=5) · Patch
- 2022-12-31 [Beyond the Boardroom: First State Bank's Becky Preston - The News-Gazette](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPWDNxZ2JOc3NCZC10ckhqTW4yNld1TFd3MVB5TEdzdXFHMnhzdXdCSjRHcDA3YmhZT3pOMnQtME16VFBrMzJFQjk2OWI0WlhLekpUb04wZW5TSUdueWd2N1JmbjJWMUktQUY5VU9JVGJSTTZwVWRaMzhxcWJJMVMtankwZWthYjBfQnVfWVhUa0czZTB4am9RXzc5QS1hU2M1clUxWjlnc29pOTFhNnhtekQ0ZzhqdGE4SklQb2pkWFl6VlNfaHh5SkF0RWt2NTlqNFk4Y1YxcVhhR0haSThkRzBB?oc=5) · The News-Gazette
- 2025-04-22 [Randy Shumard Obituary (2025) - Monticello, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZXZKT1J2TWljRDNzamxKdFk1dGZ1Yl9peHVmZFA3WndjSURreTk2eXJNWnN4VnRReHZhQmxjMmFFVGRmYnRMRThkblhCa2FZNEY1QXFCQl9MaHlqYkg5akM2amRRZFJMZ05RUnYxU2RkUTg0ZnQxUm9uRkhncUJjaVFfbHVkSE5EQnlCNnVmd3F2TXc?oc=5) · Legacy obituary
- 2023-10-01 [Beyond the Boardroom: Bentley’s Pub's Ashley Buerkett - The News-Gazette](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNM1FPemdJVENfTk5KaDlKSHJHWnp6cDk2amlGb3ZSdHZyMTY4d2tNLWZ3cnpIbm9LM24wQ2VVNVJIbHJFZTVBRUd4Nkd5ODdNRkY0di1zMDg1TkczSFVqcGdzVUJ4dkVrN1lrWGZaQzFTczQwcEtwYXJLMGdXaXdlMERRX2p0b0pVMDNOQktNUUptTV9yVzNGeUh2cUZMejZwLVRaYmdPWmR1WE9UTHBDc1duQnVFc3hZLTdwVm1aQjlKZWY1NUFSWFBvMFh4VHR5d3RoUnM3aE1pNHRncWxOSnhtUzR2LVZz?oc=5) · The News-Gazette
- 2022-09-13 [Harold Ard Obituary (2022) - Champaign, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxQNUJvWFdMYkZncTM4WkprZk5Vckh4bEZBN2p5cDhELXE4VHlnenIyNXBCLVVKLXl4YWE0WG80WFI5d3IxRi1HYS1wTUkzSTF2YkUzMjdqeFhKOTBXV1oyaFFfd2pqc2dMeVV5YUIydE5xM1RjSEFoSk5XYXRSc2cwc3A1UmY2NldjNkJWRy1SMA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10855 (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/39.json (key "10855", 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