# BRIMFIELD BANK
BRIMFIELD, IL · FDIC certificate 10856 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $43.5M | |
| Deposits | $38.5M | |
| Loans and leases | $26.2M | |
| Total equity | $4.8M | |
| Loans / deposits | 67.09% (p37 of band) | 74.58% |
| Liquid assets / assets | 38.15% (p63 of band) | |
| Uninsured deposits / deposits | 12.30% (p42 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.97% (p35 of band) | 10.79% |
| Unrealized securities loss / equity | 0.15% (p16 of band) | 2.02% |
| AOCI / equity | 1.30% (p57 of band) | |
| ROA (annualized) | -2.13% (p1 of band) | 0.86% |
| Net interest margin | 3.13% (p22 of band) | 3.65% |
| Efficiency ratio | 191.90% (p100 of band) | |
| Noncurrent loans | 1.22% (p66 of band) | 0.67% |
| Net charge-offs (annualized) | -0.37% (p1 of band) | |
| Reserve coverage of noncurrent | 112.85% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 16.66% (p52 of band) | |
| Auto loans | $183,000 (0.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $91,000 (2% of equity) (p97 of band) | |
| Deposits YoY | -4.9% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent | losing money |
| 2012-06 | 0 |  | capital falling, reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 3 | losing money, expense ratio p90, assets shrinking |  |
| 2013-06 | 4 | charge-offs p90 |  |
| 2013-09 | 5 | deposits shrinking |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 | capital falling, noncurrent p90, reserve under noncurrent | assets shrinking, charge-offs p90, deposits shrinking |
| 2014-06 | 1 |  | losing money, capital falling, noncurrent p90, reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 5 | losing money, charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 1 | reserve under noncurrent | expense ratio p90, losing money, charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2015-09 | 2 | expense ratio p90 |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 4 | capital falling, losing money, assets shrinking |  |

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

- 2022-02-19 [Frederick Johnson Obituary - Peoria, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNbnhRQmVZaVlLRTlJVGVIQU9aTURfWno3R1BnZHVzT2o4SU1LWjNiMFNBdm1mMUhrWmdULTJrbmFVS2hDeVFLbXpYZjFGOExGRnQza2lxeHMxQk1TaFhsV3lINFY0cVN6Z2dNTFVMMmJnZmtGT1BKS2FCOEJqSDdWZVRFTjF4dw?oc=5) · Dignity Memorial
- 2008-02-28 [Check scam in Luling - St. Charles Herald Guide](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5hb0JVZGp5LXYxcmd4MGlRZnpkNlNfM3N6dUR3ODZ6aXpGdnY4RmJRcjF0c2F1c2ZYYWE5VURvRGF2YkdHMUlzSmF4MC0tOFZPanU4bzVOc3ByYlRfal81NTNWeE8?oc=5) · St. Charles Herald Guide
- 2021-10-07 [Donnie Dickerson Obituary (1976 - 2015) - Princeville, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSzFCVEVmR1FENVdJZFhuWUZtTWR4QnRHaWpac0pfYTk2MTR5cWFuTVpFd3daZjJQN0IwRmpFUS1vWmZ0cDQzQVVuT3hSODNaWk00MHNpbGtkTUNhSFZPTzN4Rk1Wc3U0UUJoc3ZCczlOdUN0VEliR09xTDNKRnRNWDZTZHdkQXhQQTVGVDRuMA?oc=5) · legacy.com
- 2021-11-04 [Billie Johnson Obituary - Peoria, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVzNvRzIwdXFtdTQwZmphYVQ0ZUtOemwzUkdSY1pmMnVvd3p1Tm41TUF4eW11aEd6cWItMjJmMmdhd2hvOWJEQlpKMDVTeGJpMEZCeXhHZmd4MW1ZYk9aWmIwVzJVUEVieGtHb2x6TXJueU0wNTNJTXUyVnYzTUxiQmNn?oc=5) · Dignity Memorial
- 2006-03-04 [Karen Karl Obituary (2006) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNY1dfbkQ1UlNzM05ZcXhIaDlqSDZNb3BkZmdaU0YycC1MRGFNZWFFVXdUU0YwSm5BQk5Vc2hUMy1IemdWTmVYX2cwb1FZN29CNG5qMTFyUnRpUE5ueE9PUkRodlE2RnNTLVd5UkRyUEVSQ2hFaHRaSDQxWU05Wm1MWkNLTHdRamM?oc=5) · legacy.com
- 2007-01-30 [Brady Hamby Obituary (2007) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQ09rQXZKV29qYk9teURYS3BqVVc2Ty1FSEZhR1lvWXBna2JtRGlobm0tZG10OUVta3RwUmlweTIyRzVxbEttSHJ6bnJQYlVpRTNnREUyU1RpLUxhZVlGbUhVQUdydWdHc2ktWXJicVh6QkdiakNwNXRkb2JZMGZ3bzVBS0loS3I4?oc=5) · legacy.com
- 2011-08-18 [Leah Whittaker Obituary (2011) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSjMwR2tmdm5Jd21OX0I4OUhiSzJGOXdIRG8wRFJBVFZmanJRVklCTUI3Nm13ODdIbEdwX3djd1NQUmx5LXNGdlBBVnlkR3dPZ0IycHZUY1hSRW1sdzVoMnNUVXI2bndsYkU3Vm5CQ3JNNjlwMkd6WFNIUDdsSWhhM2k5MUhicF9hRDhKdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10856 (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/40.json (key "10856", 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