# BANK OF HERRIN
HERRIN, IL · FDIC certificate 11310 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $349.2M | |
| Deposits | $326.5M | |
| Loans and leases | $231.8M | |
| Total equity | $21.6M | |
| Loans / deposits | 70.24% (p26 of band) | 82.04% |
| Liquid assets / assets | 30.02% (p64 of band) | |
| Uninsured deposits / deposits | 18.39% (p23 of band) | 25.97% |
| Brokered deposits | 5.95% | |
| Wholesale funding | 5.95% (p63 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.81% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | -48.18% (p5 of band) | -8.10% |
| AOCI / equity | -0.94% (p24 of band) | |
| ROA (annualized) | 1.23% (p48 of band) | 1.28% |
| Net interest margin | 3.58% (p33 of band) | 3.91% |
| Efficiency ratio | 67.32% (p67 of band) | |
| Noncurrent loans | 0.83% (p68 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 127.77% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 33.83% (p41 of band) | |
| Auto loans | $595,000 (0.26% of loans; DQ 1.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 | AOCI drag >20% of equity | capital falling |
| 2013-09 | 1 |  | AOCI drag >20% of equity |
| 2013-12 | 2 | AOCI drag >20% of equity |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 1 |  | charge-offs p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 2 | deposits shrinking |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | charge-offs p90 | deposits shrinking |
| 2019-09 | 1 |  | charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 0 |  | charge-offs p90, capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 4 | construction >100% equity, assets shrinking |  |
| 2022-12 | 3 | charge-offs p90 | construction >100% equity, assets shrinking |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | uninsured deposits leaving |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | charge-offs p90 |  |
| 2025-12 | 2 |  | uninsured deposits leaving |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 1 |  |  |

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

- 2025-09-14 [Evelyn Woodhouse Obituary | Meredith-Waddell Funeral Home | Herrin, IL - Tribute Archive](https://news.google.com/rss/articles/CBMidkFVX3lxTE5XeUdfUGlUMjJuenJQYVVlajN2WE1aNHg0U21xeG1VQkJIaUxOeTVnNktxOWIxTFVYSEd5cWZrUDVQMXpqRE9zWDhYbER1SDk0STA0YW5wRjJPUnE4WU0tQ0VsU1J6cEs1ZEFJVDJQU2YzZjF5OUE?oc=5) · Tribute Archive
- 2024-02-21 [Police warning business owners about fake $100 bills circulating in Williamson County - KFVS12](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSG93S0dPZTVzcTl1RUk3NldHcUdsc05DbzJFQTBrckxRcWFBWTY1YWF2cFBfTGoxVUpLdEZ3NjJ1Zk1mSDdfcVk1MUVJdEo5NDd4anN3SnlYekxLMk51cUtYQXMwUGtxMExJT25HT0FORUtWcklpazFYeDlFMHhOTGhYSWZUX1hrNkZEazNJVjRhRHlPZDVhbDBscTlYYl9GZ3Jwa21GRFF5Qi1VX1dmTjIyNHI1d2_SAcsBQVVfeXFMTjR5bzBXTjVhYmxkeFA2Y0JaOWlQNXJwbHZ5TTNHd0tPSFZ5SU5mcFZGd3FGRVZIWVZrb3FqUnZ1czRsd3pjTVVyWGV6YmNWYlFfd3V1aEk1TDFqaV9FX2tZUWdqbjV0Q2d6VHFhU0lDcTBfWlp3d19QaGR0U3BoN1pWQnhoQm1SSVcyUzNEUUR0bkZsOUpuaVdiUzFGR0RfTU1NSHRYSnVwTlpURC1mTDA4WmZyUk9KeFVnREpHNFIwRHBvdXU0MnhKeGc?oc=5) · KFVS12
- 2022-07-29 [Underwood takes on incumbent Gott for Williamson County treasurer - Southern Illinoisan](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNeVAtV2Vib3c0UXEySUEwV1U5b2wwc19TYkYwdktxR2JwVGl5dml0TktQVXdldlhaUVVtSmZnWENMNVFGbWx0cEVLMENjOUtXNENLVzlmSzZ2UVM2S3ZCNVF0LXNtaWE0UlRSOTljUXFwWkZwSjMwYmwxVEVxMWJfSkpXcUZpRFlONlJwVDAxYjd3YnNRSThPeTV6NWNtVHNqaUxkVURWSFkxZWlPcDJIUFpaWHJlYmhjdXJDMkpYZ1VLYnU1endFU2xXY2MzbHdTUnFseW5ZNVlsc0dWMm0xUE01Z0g?oc=5) · Southern Illinoisan
- 2026-08-23 [Joyce Joan Mooneyham Obituary (2026) - Herrin, IL - Johnson-Hughes Funeral Home - Herrin - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQQnh6cG53YVJoeU5HRGlkbl9TR0NqZF9SUjAxWFFkSFF6QXlhUTFSbHhIUmF6QVFOYVBtR0J2YTBmc3JuZ1AwRjgxLVFrVVk2UXpTY1A1dXpDUkczaGgxTGl2ZF80czFGYVQtQTNqZE9vNmdKQ2JyU3plMjNPQThhT2lCSlQ?oc=5) · legacy.com
- 2023-04-28 [Ada McGill Obituary (2023) - Herrin, IL - Meredith-Waddell Funeral Home - Herrin - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1CMm5jNXRtODZRampCYlJNbExNSGFRNjA4TThmOWYtd05aOG9uQWZObE12UnJWWFM4U081cW1GTTREX1BwaFk4ZDdPcFNMTzlha1lNUUdHT3hzSm1JbHVldFJCSmhLYlFPczdwa2FHTmFWazNCUmIyQVk5a2tpUQ?oc=5) · legacy.com
- 2018-08-12 [Dr. Robert D. Kane - Southern Illinoisan](https://news.google.com/rss/articles/CBMisgFBVV95cUxQcFRGZEE5aUM0MGt0OHVHS1k2ZTFVNlZkMGtqZGVZYjA0azQ4X0tWdkpEZFNRMTk5NmwzSlA3TlhHWERsRVpLQi1IRmthaTRVRTk1bXdUcmpSVzVsVlJxdXlFMlREQ0ZWVlZuT2UxTHVpWHIyY2duWEdBTDN4OGIyMmx2cFVLTGZodEY5VEFacWR4aTY3N2RNSG9kR28tTGVXQXBzcndSekhhUkRubmZZajZn?oc=5) · Southern Illinoisan
- 2022-01-31 [Kedan Seagraves Obituary (2007) - HERRIN, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNVVTUjYtT3FqTGJ4VDhsUFVBZjkwQ29jeUlJUFpnMTJ1TWZ6X21SdW5NN1Q4cmJjNmU3UUlBcFh5LVpqYllqLW9YWnZtRnZ1ZHAtbU9ONjl5eExERzJZMFNPbW9IU0VBVVZWQ0ltbXpIZmVJRlBSSk9uTmVWSGhaRXZuSnZaRHVuYThlYTJYbnlSUVpS?oc=5) · legacy.com
- 2022-02-10 [Joshua Holder Obituary (2007) - CARTERVILLE, IL - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxObG9UOF9hcHU4WEcxeGF1T1Q2RWQzUXJCQ0dhX2RNaVhKdDU0b3RkcmIxRXVKV2RuY1BsNmJlcmE1R19IdzFYdHV2QkNUUHVBeVE2M2RUMVlXTFkyQ1ZqNVZHdGhRQ3JHUEJUMU1VTGJnRXBDbnBubnZMX0FOQ29zVmZR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11310 (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/46.json (key "11310", 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