# FIRST COUNTY BANK
NEW BADEN, IL · FDIC certificate 10887 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**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 | $485.7M | |
| Deposits | $390.6M | |
| Loans and leases | $423.4M | |
| Total equity | $44.4M | |
| Loans / deposits | 107.31% (p92 of band) | 85.45% |
| Liquid assets / assets | 10.92% (p9 of band) | |
| Uninsured deposits / deposits | 8.51% (p6 of band) | 21.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.22% (p67 of band) | |
| FHLB advances / assets | 9.26% | |
| Tier 1 leverage | 8.89% (p15 of band) | 10.27% |
| Unrealized securities loss / equity | -0.01% (p41 of band) | 0.09% |
| AOCI / equity | 0.21% (p24 of band) | |
| ROA (annualized) | 0.87% (p40 of band) | 0.96% |
| Net interest margin | 3.09% (p14 of band) | 3.65% |
| Efficiency ratio | 60.97% (p31 of band) | |
| Noncurrent loans | 1.07% (p72 of band) | 0.60% |
| Net charge-offs (annualized) | 0.04% (p61 of band) | |
| Reserve coverage of noncurrent | 94.23% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 73.58% (p78 of band) | |
| Auto loans | $24.6M (5.82% of loans; DQ 0.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | charge-offs p90 |  |
| 2016-03 | 2 | loans exceed deposits |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 | reserve under noncurrent | charge-offs p90, capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |

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

- 2026-01-14 [December 2025 Tech Litigation Roundup - Tech Policy Press](https://news.google.com/rss/articles/CBMib0FVX3lxTE9xTHFkYWVibkRYdGlnU3RWbDRiS1lwM2Y2RTlOa2h6MmZqbEh2czBUQzFKTDJzZTNVdkdqeW5zN0hJSzhKbWJ5YUJOUXdQdWx0RF9wMEJGVFVXalptXy1lQkxTSjlzckpYZW1nMjN6QQ?oc=5) · Tech Policy Press
- 2019-06-26 [One Metro East bank acquires another, further shrinking St. Louis market - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSHhpc3p6OFUwSUd1V3JFVkhZMFNrVFROQnBkcWNNejBvMlEyUUE1bGFOR2RUWFZwZHRNYkdTTU53bzNnVzNQa3hNT0ZmTVdmZ3RoTUNJQXkwUndaWXdDSkhPdWpXd1JpelhhcUhlOFViMWVGSnB4czIxNmNvNVRUeUlmUV92YjhDdXlFSTBHYmpDNzZNOGpaVjhES3Vrb19ELU1j?oc=5) · The Business Journals
- 2023-11-30 [Brandmeyer, Justin Obituary Nov 6, 2014 - Nordike Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE50LWwxVDU1bnZBaU5weDZQLVhGcUN0VExfMVhBdThmUHpNOXUxaWl1amRUQ2ZkSWVSSXJwUDZPQ0lDekZORHUwNVNFeWRWMXJKdVFLTTRUZVlzTUdudzdsYWpTVm12R2pNZW81ZWhUZGFiT3M?oc=5) · Nordike Funeral Home
- 2024-08-23 [Maple Syrup Festival In Connecticut: Stamford Museum And Nature Center - Only In Your State](https://news.google.com/rss/articles/CBMifEFVX3lxTE5qbDVwRlZ3YUM3YnVsRjRIM1VDZEhQWHB6ckdEUk1FckVyMmc5UDN1VXpBX0JNRzZ6Qk03MTNkYWQ2eWVoUWpuRmNXeF9xWU9vc2wyMGxHekFRa0JEX1NaTS1IamdBek8yUGkybDltQ1poSWxDT2NyTm5MMFI?oc=5) · Only In Your State
- 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
- 2018-06-28 [Real Estate: What’s your neighbor’s home selling for? - Belleville News-Democrat](https://news.google.com/rss/articles/CBMicEFVX3lxTE5pQVAtREdpU3A0MHM5aVZpV1JLOXJCRG5Vc081b3RYczlmSXltMHBYakdleGlhRVppQTBQTGhXUHpYRHprQV82cGhPVktleGZ4aC1fNTRQeWE1N0hMYmVPSzFJS1ZGQWt1d0l6YnAtRWTSAXBBVV95cUxPVHJwcDlWQ05LYm84TjFtWTV1cC1ONElSZUVMLVRUcHVNREZMRzA1YjZKeGhxS3pjU2l3ZG5ITmFfV0h4X3g0aGo1ZTJjd29aeVFUbmc0aWpVZ19FdkpWQ3o4VFJidHdWcXNOaURLZ25K?oc=5) · Belleville News-Democrat
- 2011-12-12 [Lori Frick Obituary - Fairview Heights, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPTWxMbWQyRVJwQjMybDB0WEcyWlhrVUNnVzJBREhSWUZTMnlfNjFSR1MzX21TUGl6LVp2eHN5c2RsRlQ0X09yY1AtcVo3XzlYX055YjdPbDY2WFd1V0hYVzlyXzd5ck51N3p4bWNRRFlmVU56WE1WLUZ5eDk5d2JTUkM3dGRDemZu?oc=5) · Dignity Memorial
- 2018-04-12 [BancStar merger signals bank consolidation will continue in 2018 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxOMk4zQmMzSXNrZ0F4WFc2UkNvYlh0d205REZCVXRPSnFtWTRHZncxSk5Vc2ZjZFMzTzJfaDBRZFpINndxSFUxTVNBX2NXa1JSUXRRb0JZVXJBelN0b2hmZkNaUnQ3X1hsRDVtNkRONm5YQmhyZmxQWUdzdmVEUXJkeUpsWUozQVV3a09BbG4xckd0aUc3VU16eEJaS1BRZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10887 (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/7.json (key "10887", 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