# ANDERSON STATE BANK
ONEIDA, IL · FDIC certificate 10858 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $108.9M | |
| Deposits | $90.3M | |
| Loans and leases | $46.2M | |
| Total equity | $18.4M | |
| Loans / deposits | 50.95% (p20 of band) | 73.59% |
| Liquid assets / assets | 52.99% (p81 of band) | |
| Uninsured deposits / deposits | 17.23% (p40 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.31% (p86 of band) | 11.76% |
| Unrealized securities loss / equity | -3.45% (p63 of band) | -6.57% |
| AOCI / equity | -0.54% (p43 of band) | |
| ROA (annualized) | 1.54% (p70 of band) | 1.17% |
| Net interest margin | 3.11% (p16 of band) | 3.93% |
| Efficiency ratio | 50.09% (p14 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p65 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $820,000 (1.77% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | NIM <2.5% |  |
| 2011-09 | 2 | capital falling | reserve under noncurrent |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | reserve under noncurrent |  |
| 2012-12 | 1 |  | capital falling, reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | deposits shrinking, assets shrinking |  |
| 2014-09 | 2 |  | assets shrinking |
| 2014-12 | 2 |  |  |
| 2015-03 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 3 |  | assets shrinking |
| 2015-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | uninsured deposits leaving |  |
| 2018-06 | 2 | brokered >10% | uninsured deposits leaving |
| 2018-09 | 1 |  | brokered >10% |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | NIM <2.5% |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | NIM <2.5% | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | uninsured deposits leaving |  |
| 2025-03 | 0 |  | NIM <2.5%, uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | deposits shrinking |  |
| 2026-06 | 2 | uninsured deposits leaving |  |

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

- 2009-06-14 [Half a century on the job - Galesburg Register Mail](https://news.google.com/rss/articles/CBMingFBVV95cUxQM3o3ZkpHckE5cWNTSUpNZldoSjQ5NjhIdXVCZ1hCbDRnU1BUV2JLLVBaM2MtUVB2bE5sZ21GZ0lmbWdHSDM0Ynh6bThBSnNsQkVhMGZ1Yy1henlOT3V4TktTdFplV0R1WXdlX0RSUjJJY2cyZE0xY0xaZjNrS1VyYThUQzFRMnlsS1dBcmMyLTg2bXg4VkZRZEVleTBTdw?oc=5) · Galesburg Register Mail
- 2008-04-19 [Obituary information for Michael Sturgeon - Hurd-Hendricks Funeral Homes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOU3dFTDMwdVdzd3QxT2ZzcUdtUm1jMTBLS2NsZnRjZGpDcWZRUXhxYnJUakhtV2tXS0d1WWFGV3J2NndNZGRvOGJIZmF6ZGlQcW5tS0J3Zmh3cVRuUGdycDR3d2dDNnEweXhJeFgycm12SUxfeW5zOTJOc3lpb2ZIeXRSbm1Zd0F1R2Zr?oc=5) · Hurd-Hendricks Funeral Homes
- 2026-03-31 [Mary C. Cruce Obituary – Altona, IL (1931–2026) - WGIL](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9mbVBrRWY1QTdiWkY4M0RfaXlYeUhGdlFtZExDajQ5c3pBdXFJejRHU0Jxb0Zsb1ZEbFBJWXBSNWpyQjVobVM3a3pCYzk1OFZlcFZWQjN3eDktRjBVS2JvcjVZSnA?oc=5) · WGIL
- 2025-10-28 [Sharpe Family Singers, November 8 - River Cities' Reader](https://news.google.com/rss/articles/CBMic0FVX3lxTE0xb0g2YkdPcDNkUEk0dGVEakY1bElmSmFIR25OQ0IzcnBWbFNxVG42eThNSGVpUTM4aTJCTXpneEltdzVmaldqQnpVZWRZU19UeDJGNkhFNkVRcVp4ZFBTMzlzX19idWJDMTZ3WHNKd1J5NkU?oc=5) · River Cities' Reader
- 2018-04-28 [Joe Pogue (1925–2018) of Godfrey, IL | Obituary - RiverBender.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQbEFzNEx3UmVNdEhFUXQ4MmxfeWRpczltTTFQUF9oVHJTRWRzczlEVHdqVkw5emF6Z250cV95YjhsLXVKdmJ0UTgxdGlMVlZDZ1oxS01TdTJlOVJBZDFMOFRuM1IyOVJXaEZzU3Z0RVh6cjFQcUlVQnk5OGJld3pHV3I2SS1pTDA?oc=5) · RiverBender.com
- 2024-04-19 [Mrs. Mary Esther Bjorling - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQZ3pMM21aaUsxOFRxeTcxVTJIZ3NKaVRuU25Yczk2cGZqaGNvYWYwWG9SbEY2dkh2aF83eGh0bGF2YkZnME1GeXh3QjRaa2NOVl9MaUlGNW9NcFZWOVRsWDJmemo4U09PYkZnaEpFVHJ6R09ONmU3MzBZX082VFdKeTFB?oc=5) · legacy.com
- 1993-08-06 [Obituary information for Kevin T. Moore - Hurd-Hendricks Funeral Homes](https://news.google.com/rss/articles/CBMihwFBVV95cUxNVkFTNWRTZ182ZzIwR1JFRmJnVE9hSk5TMF83RlRIcVhDSGdXV0stVUxQM2V6RVZuRDZ0WVF0Mk15WW5aODlDLTlON2ItTlotZ3R3V1dha3VEem8wU2RHV3EtajVBeEFuZy1PblE4ZmxZdTZERXZ6MDZMQ3lhV1hjN1NkSnB2dEk?oc=5) · Hurd-Hendricks Funeral Homes
- 2024-10-04 [Mrs. M. Estelle Sopher Obituary - Galesburg Register Mail](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1CNmpFWDU0T1kzSmQ0dWxneW5pbEsxZkNfYzM4U2lhOEtscFdQb2FpQmd2VEtra0diMms0Y3gxa004VzRMWGdVM1VaVmNpWDhEYncxWWthMm5uQ3BQ?oc=5) · Galesburg Register Mail

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10858 (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/42.json (key "10858", 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