# FIRST FARMERS STATE BANK
MINIER, IL · FDIC certificate 10879 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $228.3M | |
| Deposits | $196.0M | |
| Loans and leases | $131.7M | |
| Total equity | $13.7M | |
| Loans / deposits | 66.71% (p55 of band) | 64.60% |
| Liquid assets / assets | 38.97% (p46 of band) | |
| Uninsured deposits / deposits | 25.32% (p75 of band) | 18.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.65% (p84 of band) | |
| FHLB advances / assets | 1.75% | |
| Tier 1 leverage | 6.03% (p1 of band) | 10.53% |
| Unrealized securities loss / equity | 0.42% (p45 of band) | 0.67% |
| AOCI / equity | -3.71% (p19 of band) | |
| ROA (annualized) | 0.93% (p46 of band) | 1.00% |
| Net interest margin | 3.28% (p51 of band) | 3.26% |
| Efficiency ratio | 74.72% (p64 of band) | |
| Noncurrent loans | 0.66% (p62 of band) | 0.41% |
| Net charge-offs (annualized) | -0.01% (p26 of band) | |
| Reserve coverage of noncurrent | 111.64% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 10.63% (p45 of band) | |
| Auto loans | $456,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 27.4% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)

## Warning timeline

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

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

- 2020-12-04 [Bank of Pontiac merging with First Farmers State Bank - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMivgFBVV95cUxPTGlBRW9LRTRMMHZLRnl5eDZaQWkwSXl6UlpJcnVIRnhxUzJDUmxYY09BT0xFZHdFOERLWDNQV0MwbUpPbFJQMGxNbzY4M0gxMUN5MUc2cVZrd2NaNUhKRExxYnBHSkFreUV6azFyVktBa3ZIQ1ozS3hFVENqX1pDOVlhN0hIZFB3NTNJTWF6QTlwaC1xdlFCMkQ2Z0V6Q1JXZUZQYXBCaVJaLXlwUTRHdmF3QlZwNkRjRFdRVVlB?oc=5) · Pontiac Daily Leader
- 2024-07-16 [Obituary for David Eigenbrod - davisoswaldfh.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA2bzFRR2Mxbl9scWpmT3M0UVNrcEprYjdjbGVva3l0bW4tbzlQQUVQWWIzMFFvaXY0VkwtdFdMMno1SVZSZ3VzZXhmdThMb3JiMWFzODh3Y1hUT1ZfRjNXVDRNMm8?oc=5) · davisoswaldfh.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2024-08-16 [Obituary for Melvin Springer - davisoswaldfh.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE12aDFPOWlvZVJYc0ZhRnd2eHk1cENoMkQ3bVdwcTl6bUcyeFNSb2FlNjlEUFpnVHViUHZKQnZPTHBRdTZQY2hWdU1iSmdsQ09NUWY0ODgtR3VSNnh5S0x0aVBfVTA?oc=5) · davisoswaldfh.com
- 2014-05-12 [David EIGENBROD Obituary (2014) - Lincoln (Formerly Of Delavan, Il), IL - The Lincoln Courier - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOakV2Vkk0Ri1QLXljQ2F6NXRIc0lheW85M0VqYWs3dmZzX291elZtLWZhaHl1WGh3dURWb0Z6MndISk9SbW1vUDdJX3MwcXliWklTaHRBb1BGMFJVd0FWRUNwMWVSRnY2cDBNQ3hROFBGdnJqOFVGX2RtcDQwZnlCdUZ6b0JMTjNnWGs3RjRibDZUR1VaaXJFSQ?oc=5) · legacy.com
- 2024-06-11 [Obituary for J. Robert Lancaster - davisoswaldfh.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFA2X2ZFazAzWTlMWGJZMkZtQ0ZfN0VDVVRwZE1zVDVFQmozNHlVVGlfZHF5eDVock5VM3VEX3dQZ3MtaFgyOW96Q3FJZkF1cUdFYmRCVkhWUGJhaDlfTVVn?oc=5) · davisoswaldfh.com
- 2009-09-30 [Marilyn Hovious Obituary (2009) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOY0pFWTRZYjBBRWtuS241cThIbkxRVGZuYzM1YzBEcTg3UUM4WFdzYS1LMk5JakFPYm9LVl80Wm9oRnRlNXVHX1Z4Tlh2Y0dTWDMtREtaMUVSX1hYekRuQTF6ZUZ6eHVmbWt6T3djMm5LbWdkamRMc2pRN1NldzRIcVA5Nl9qN0o0Nkp6c0dB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10879 (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/63.json (key "10879", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide