# STATE BANK OF CERRO GORDO
CERRO GORDO, IL · FDIC certificate 11311 · asset band <$300M · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 4 (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 | $37.5M | |
| Deposits | $34.1M | |
| Loans and leases | $12.3M | |
| Total equity | $3.4M | |
| Loans / deposits | 35.91% (p15 of band) | 59.63% |
| Liquid assets / assets | 64.09% (p85 of band) | |
| Uninsured deposits / deposits | 24.47% (p65 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.84% (p23 of band) | 10.37% |
| Unrealized securities loss / equity | -22.18% (p25 of band) | -10.87% |
| AOCI / equity | -15.80% (p30 of band) | |
| ROA (annualized) | 0.05% (p10 of band) | 0.73% |
| Net interest margin | 2.15% (p12 of band) | 2.97% |
| Efficiency ratio | 96.76% (p89 of band) | |
| Noncurrent loans | 0.02% (p29 of band) | 0.26% |
| Net charge-offs (annualized) | 0.11% (p95 of band) | |
| Reserve coverage of noncurrent | 2266.67% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $414,000 (3.36% of loans; DQ 4.35%, NCO 0.09%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **assets shrinking** (`shrink_assets`)

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | reserve under noncurrent | capital falling |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 | reserve under noncurrent | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling, expense ratio p90 | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling, expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2016-12 | 1 | capital falling | expense ratio p90, uninsured deposits leaving |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, expense ratio p90 |  |
| 2018-03 | 0 |  | capital falling, expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | expense ratio p90 |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | NIM <2.5% | expense ratio p90 |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | assets shrinking |  |
| 2022-03 | 4 | capital falling, charge-offs p90 |  |

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

- 2022-02-06 [Galen Heckman, Jr. Obituary Feb 6, 2022 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiY0FVX3lxTFAycFhGRkc0NWFMN2F0Wk5SRUx0ZU9aTFRDLUV5azdCTDZxbktvMC0zd01QVURGRFl0YVhialhlMWtBcXFiTm1sc0diN3I4MzdrVEFlSVlGUWpPN3FScGU4V1ZUZw?oc=5) · Horan &amp; McConaty Funeral Service and Cremation
- 2022-12-23 [Mitchell Lane Dodson Obituary | Brintlinger and Earl Funeral Home | Decatur, IL - Tribute Archive](https://news.google.com/rss/articles/CBMie0FVX3lxTE54VDFFRmVxQm5oVk9oMHdTQ3lSZUJVdUlJdllmSG9rVGdyMDZYdm9pZVAzMzgwNC16WmtzcnN6bGhVeC0yOUUwOHBpVEtycU5ady1rc3JKblRkbVZxbjFDZ0dkTVF1OHJCaHlvQTEwMUhkUGttMUc4bFRoZw?oc=5) · Tribute Archive
- 2021-10-13 [Carol Huff Obituary (2010) - Cerro Gordo, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQQUJNaWZqRTNKRTlOdkRQWmN1SXRpZzJ5dFFFVzRQZTBMWDlJRU9nZmdxbldHNmJXenVRczQ3T0VDdlRhbllsZkU5S3ROMko3U1FPZnQyOEZQVlQxR3pvejQtckpUNVRqc2I1WlNKWFFFLXVheHVNcGZkeTVwQW1kOVJqaTJoU3M3NThTaU9MVG0?oc=5) · legacy.com
- 2021-11-21 [Nancy Flach Obituary (1937 - 2021) - Decatur, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOc01rSEZndDgydW1VYU5ibGRISW9vRFZ1RDl4aUk5emloNDlFaVpsUnVQMlp5WXdjMURuQ0d2ckpvNXM0cEFPemlGLWFGVUZ4aXpEajVFbFQ0VkxLQzU1WDhJdkc3VldCU1owWE9JWWZ3UzVQVUE0c0lOQjQzZ0ZpWWRRRVJfZjlnZVpFVXVpUXRtZw?oc=5) · legacy.com
- 2021-09-24 [Richard Colbert Obituary (1934 - 2021) - Savoy, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcUY0TWtQNmRrcnRyODk1cGRZb21ydTgyTUJILVVkUmZHOGQtSWdBaHVKSm5oR1hKR2V4V2g1UVM1Vk9ZMktNM3VaQWFZOU9qd29UdHJZckp2YVFIRy1jNnBCY2dXcHZoMHozbVhLNUVISDk1aThSa0hMWWZHdl84SFNuZlVCMFRkOGtualE1NG9vT0RwTHc?oc=5) · legacy.com
- 2011-10-11 [Timothy Benson Obituary (2011) - Bensonoakley, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTV83SGRTOU1JZHRRdnhyZzE3dm5PVUdPQ0dHRGpJLWd3Wm9jdDdEZ2tPY1BiYmxoZzJ0SHNpTUg5U0xEajZkTUZ4TnR6Y0FpbGlBX3lSNjBWM2ljaVJlUmZpWTF0cDdMeS1RQlA0TlJwZDdnemdhQ1NUSV9oMkt2MXBCNFRhQ1V5bmppd182T1lfRGFxeEE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11311 (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/47.json (key "11311", 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