# FIRST STATE BANK OF ST PETER
SAINT PETER, IL · FDIC certificate 11302 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 (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 | $30.1M | |
| Deposits | $24.6M | |
| Loans and leases | $7.7M | |
| Total equity | $5.3M | |
| Loans / deposits | 30.77% (p7 of band) | 73.59% |
| Liquid assets / assets | 73.02% (p95 of band) | |
| Uninsured deposits / deposits | 3.52% (p2 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.52% (p88 of band) | 11.76% |
| Unrealized securities loss / equity | -12.68% (p34 of band) | -6.57% |
| AOCI / equity | -2.51% (p8 of band) | |
| ROA (annualized) | 1.71% (p77 of band) | 1.17% |
| Net interest margin | 3.89% (p48 of band) | 3.93% |
| Efficiency ratio | 49.31% (p12 of band) | |
| Noncurrent loans | 1.71% (p82 of band) | 0.36% |
| Net charge-offs (annualized) | 0.16% (p91 of band) | |
| Reserve coverage of noncurrent | 87.02% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $521,000 (6.79% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.7% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 2 | assets shrinking |  |
| 2014-06 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2014-09 | 3 |  | charge-offs p90 |
| 2014-12 | 2 |  | deposits shrinking |
| 2015-03 | 3 | deposits shrinking |  |
| 2015-06 | 0 |  | assets shrinking, uninsured deposits leaving, deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | deposits shrinking |  |
| 2016-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 0 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | uninsured deposits leaving | capital falling |
| 2020-12 | 0 |  | uninsured deposits leaving |
| 2021-03 | 3 | capital falling, NIM <2.5%, uninsured deposits leaving |  |
| 2021-06 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2021-09 | 3 | uninsured deposits leaving | capital falling |
| 2021-12 | 2 |  | uninsured deposits leaving |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 1 |  | reserve under noncurrent, capital falling |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent |  |
| 2022-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2023-03 | 3 |  | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent |
| 2023-06 | 4 | securities losses >30% of equity |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking, securities losses >30% of equity |
| 2024-03 | 3 | deposits shrinking, assets shrinking |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2026-06 | 3 | charge-offs p90, reserve under noncurrent | deposits shrinking |

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

- 2025-09-03 [At The Event: Sights at the St. Peter Prairie Days - leaderunion.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPQ21uMjdPZ0NPMjRrRVRFZkJMYU1XNTJXckNYTnhEek8tVTZzZE1JZDlmMnQtSGRvLUh3TDVDODBxdmpUbmM1bHRlY3hzalVNSkRDekY1ODVrcmNUT29ndUZ2dlNPQlo2bC1CUW9oSTF6elhKaUZ0a2QwOEtHRnJsUlVUaTJpTjNFc2JIQ0hBQzZOQQ?oc=5) · leaderunion.com
- 2018-08-29 [Prairie Days in St. Peter - leaderunion.com](https://news.google.com/rss/articles/CBMickFVX3lxTFBsaDhvNG9tSnVJdlU3OHR5WXFKRFd6QjBabnpqZTZaU0VTZGFROFpjOWRwamxpU05DR0VOYUtPREp1VlpMcDVZeEJiazJZejRDZGRUdThZdDdzLUpIYlVrMWY0c2pHTGZST0ljSmplbnJ3dw?oc=5) · leaderunion.com
- 2008-11-08 [Lester Gluesenkamp Obituary (2008) - Missouri, MO - St. Louis Post-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOTUxqaEJNdVZUS2JyaGdEeVdQYmkycXR1XzJLeFZQRWVQcnhsci1fck0wN3BtYml6N085T3pSdWp2MTZMbjRjVnltRzlqQ20tUXlWd0ZfZWRyZ3E3SnlfUTFfNDNYaDlMOXdsSlNILTJoTl95UDZIU3JnT1p5RWFXb2Z4UW1HQkZtX3dpeXI3M0liZms?oc=5) · legacy.com
- 2017-08-31 [St. Peter Prairie Days - leaderunion.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9fTWRYeV9LR3ZEMVhxN2N6ekRRX1lQZkpqWkFHdkxsRDdFNnJSMjU3STljcUIzQXg2V3VMMWx6NEV6NkZ1M1FMYWVJVF9YNzViYWxldll3b0ZHRjRxQUx0UnJXRG4wclBhdmRWcjRB?oc=5) · leaderunion.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11302 (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/38.json (key "11302", 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