# EAGLE VALLEY BANK
GRIGGSVILLE, IL · FDIC certificate 10883 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $229.6M | |
| Deposits | $203.0M | |
| Loans and leases | $191.6M | |
| Total equity | $23.6M | |
| Loans / deposits | 93.33% (p85 of band) | 73.59% |
| Liquid assets / assets | 14.08% (p9 of band) | |
| Uninsured deposits / deposits | 8.53% (p9 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.44% (p50 of band) | |
| FHLB advances / assets | 0.44% | |
| Tier 1 leverage | 10.44% (p31 of band) | 11.76% |
| Unrealized securities loss / equity | -2.54% (p67 of band) | -6.57% |
| AOCI / equity | -0.72% (p35 of band) | |
| ROA (annualized) | 1.60% (p73 of band) | 1.17% |
| Net interest margin | 4.57% (p79 of band) | 3.93% |
| Efficiency ratio | 64.89% (p48 of band) | |
| Noncurrent loans | 0.60% (p59 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 184.87% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 14.00% (p45 of band) | |
| Auto loans | $8.3M (4.31% of loans; DQ 2.77%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 4 | charge-offs p90, assets shrinking | uninsured deposits leaving |
| 2015-06 | 4 | uninsured deposits leaving | charge-offs p90 |
| 2015-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 1 | losing money | reserve under noncurrent |
| 2017-09 | 0 |  | losing money |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 | uninsured deposits leaving | capital falling |
| 2019-09 | 3 | charge-offs p90 |  |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 1 |  | reserve under noncurrent, uninsured deposits leaving, charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | charge-offs p90 | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 1 | charge-offs p90 | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, reserve under noncurrent | charge-offs p90 |
| 2022-12 | 1 | charge-offs p90 | AOCI drag >20% of equity, reserve under noncurrent |
| 2023-03 | 3 | deposits shrinking, assets shrinking |  |
| 2023-06 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2023-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2023-12 | 3 | deposits shrinking |  |
| 2024-03 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | deposits shrinking |
| 2024-12 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2025-03 | 2 | capital falling | charge-offs p90 |
| 2025-06 | 2 | NIM <2.5% | reserve under noncurrent |
| 2025-09 | 0 |  | capital falling, NIM <2.5% |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 1 | capital falling |  |

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

- 2026-05-26 [Real estate transactions in Pike County from May 1-15, 2026 - Muddy River News](https://news.google.com/rss/articles/CBMiswFBVV95cUxPV2l1NkhCX0NhMVUyQ25XYi1lVFdNMmlDblZzR0FkaUE5TnNpdE5LTFYtQUNLNEZBRlhyVWNwcVF5ZDZDZ1hBY2t3MUVWdld5anREZHRxUXlFdVViTE9rYW5xcnNsbWt4dF9MUGZ1WTAzUzhOTklEdE5UVkx0bC1vdlltTjluN1NWSzV1ZTJpcnpWVER2VnRZSTZuNVJLb2xKemJwY2xPMTlOOHh3YkV5VjhMdw?oc=5) · Muddy River News
- 2026-04-30 [Meredosia May Days to raise money for family after house fire - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUmREMjR5OUNsTjlPVDc5MnFJdjNIaGY5bXI5RnhKamIxLVFUV05MbVd3QmJSR25MQmM0dkM2MnNHQU5uSXhVSXoxaE01ZlpYR29KNG1Mc2c2YUFoZ2R5dGRNQVAyYjUzdGtlN0dHY0ptTmdRa05qdzdIVU9rbGRfYnBuckE5Z3BuWm9qMFJuNWU?oc=5) · Jacksonville Journal-Courier
- 2025-02-09 [First Community sold to KleinBank - Pioneer Press](https://news.google.com/rss/articles/CBMifEFVX3lxTE9GYlZJa0xoampFTk5lMEpUOWh4cmxwVmV3LV80QUE1VFh2QXdBYXp5U1lmTXpWbTJ5Q0FCQVd3OG5Jd2ZabFNOdUVCOFR1VFBjU2lrMWFkcmxpX0VJSlhYcDFWS0QzTGpkazNXQW5ib2hKY1F0eUZMMUdIZ20?oc=5) · Pioneer Press
- 2026-05-01 [Station Sales Week Of 5/1 - RadioInsight](https://news.google.com/rss/articles/CBMiekFVX3lxTFBXWXZBYXlSZ2dNY0VpRFgzNmctREhOTVJsQkpTdVNiR0pDX21rTGNoRFRCWXdrdVFJcE5jSUoydWJVbXMwYlk5VHdSOFhRSTF2S0Q1dnFZMlotaXltblkwelI0YzBKNGQ0VG5kZXpEVjQ5ZkhQX1ppOGhB?oc=5) · RadioInsight

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10883 (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/3.json (key "10883", 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