# IUKA STATE BANK
SALEM, IL · FDIC certificate 11317 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $133.0M | |
| Deposits | $112.6M | |
| Loans and leases | $109.2M | |
| Total equity | $12.8M | |
| Loans / deposits | 94.09% (p86 of band) | 73.59% |
| Liquid assets / assets | 14.62% (p11 of band) | |
| Uninsured deposits / deposits | 12.40% (p22 of band) | 19.81% |
| Brokered deposits | 17.08% | |
| Wholesale funding | 21.64% (p96 of band) | |
| FHLB advances / assets | 4.56% | |
| Tier 1 leverage | 10.25% (p28 of band) | 11.76% |
| Unrealized securities loss / equity | -10.95% (p38 of band) | -6.57% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 0.08% (p7 of band) | 1.17% |
| Net interest margin | 4.75% (p84 of band) | 3.93% |
| Efficiency ratio | 74.39% (p69 of band) | |
| Noncurrent loans | 7.98% (p99 of band) | 0.36% |
| Net charge-offs (annualized) | 1.46% (p99 of band) | |
| Reserve coverage of noncurrent | 37.87% | |
| Real estate % of loans | 38% | |
| Construction % of loans | 14.41% (p46 of band) | |
| Auto loans | $9.1M (8.34% of loans; DQ 5.51%, NCO 0.18%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | losing money |  |
| 2011-09 | 1 | capital falling | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | brokered >10% | capital falling |
| 2012-09 | 0 |  | brokered >10% |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | uninsured deposits leaving | capital falling |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2016-03 | 4 | loans exceed deposits | capital falling |
| 2016-06 | 3 |  | brokered >10% |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2017-12 | 2 | capital falling | wholesale funding >15%, uninsured deposits leaving |
| 2018-03 | 3 | losing money, expense ratio p90, charge-offs p90 | loans exceed deposits, capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | reserve under noncurrent | expense ratio p90 |
| 2018-12 | 2 |  | losing money |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | capital falling | charge-offs p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | noncurrent p90 |  |
| 2020-09 | 3 | charge-offs p90 | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | capital falling |  |
| 2021-06 | 3 |  | capital falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | assets shrinking |  |
| 2022-03 | 2 |  | noncurrent p90, assets shrinking |
| 2022-06 | 1 |  | reserve under noncurrent |
| 2022-09 | 5 | loans exceed deposits, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 | capital falling | charge-offs p90 |
| 2023-06 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 4 | charge-offs p90 |  |
| 2023-12 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 4 |  | wholesale funding >15%, capital falling |
| 2024-06 | 5 | wholesale funding >15% |  |
| 2024-09 | 4 | deposits shrinking | noncurrent p90, reserve under noncurrent |
| 2024-12 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 7 | uninsured deposits leaving |  |
| 2025-06 | 6 |  | deposits shrinking |
| 2025-09 | 6 |  |  |
| 2025-12 | 8 | capital falling, losing money |  |
| 2026-03 | 5 | brokered >10% | loans exceed deposits, uninsured deposits leaving, capital falling, losing money |
| 2026-06 | 6 | assets shrinking |  |

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

- 2026-07-31 [Fed Enforces Action on Iuka Bancshares, Iuka State Bank - Mirage News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbHpZRGJXNWxjMG5TdWRQTkpOLV9vbUxiR1pBUi1QMktteWxWb1ZUeVp1S05GX2RPVFhMaFluQWhjSEJfMV9fcTllUmFsYk1oWWtXQzlWSHdwR2lwN3pJUVpmdUFGTWtxZFhEaEZsZUw1ZHNqRVV4YURfVkpIMDd2TVU0UEdjdw?oc=5) · Mirage News
- 2021-03-23 [New President/CEO named at Iuka State Bank - southernillinoisnow.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNb3lKcnYtdERlZmhjY1ZyNHppSzd0bDJ4VTdSRUs1ZEZ1bEJ0c21USHdocXdlNkJrNjhfdzFwVTQ4aTNvazAwYjl1ZWd6YkE2S0Jkd2drX3JYSS1vWHlCbFdtcGc3UWFNQ1M1cENjZDRlODFCLXZFd0hLTHA3VHVvaHhaV1NJZ1psQXotbmZDbw?oc=5) · southernillinoisnow.com
- 2026-04-29 [Connie Brandibas Obituary (2026) - Salem, IL - Crouse Funeral Home - Salem - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOQjYxNUx0amVKd09iS05CODRodGRvY2Vkb04tRTRPWGRPbmpTQS1TTl9JeTN6ZG1rU0Q0ZXA3YjFmSkx4TlQwTzlGUXVBVlIwQWxCTzAxSkpWdzR3VGo0Mk1idEFjUklRMGJuN0VKd0xJOFR5TWJJalBQY0Raa0JzUVhGMXlkUQ?oc=5) · legacy.com
- 2026-03-17 [Salem Recreation A League Volleyball Tournament Results - southernillinoisnow.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPWUFnWGtXS3pFWjVzbG14a0RHODU1X0F6dzlienMyUEFRSWxHWnFsejJXV3ViYW1HV3JJT05RLTY5NHVSTHJVQzdEX256dnVQRnhIWUlhX2V3T0RyQkhCcGlpZ2FyaGU1QjNTelFRY1Q2YVdXOFpGV1FVdFloYzhpSkRVQkNmWmVfNW5TRWFJUWhFakVZaFpJYS1WaUE3M0NW?oc=5) · southernillinoisnow.com
- 2025-04-02 [New 618 Plastics Facility Brings Jobs & Investment to Salem, IL - Construction Owners](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTEZURzdEbFpRc2hvdjhMMTBaVk1jcnFuR25VUkJLM3l3SzJpMElkYmJGOFVCQ09LaVM5UG56bFZpTFZ5NnVKVkFfVi1mcFNrUmM0alVpbVc3c0t4ZGp5T3lUQWJMcUFTcUJjbW0xWm13UUtaUTRhb0Q1aEcySUJMUWhVVEpxYUpuc2VxZVlfcW9NcVRWd0NBMWlnQ2cxakJyRnZMWVp3?oc=5) · Construction Owners
- 2021-02-08 [2021 02/13 – Roger L. Bartley - southernillinoisnow.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE1Tc21RbkRrSWVqNGNKRkZvWDFiYmpyVDhYS1BOd2pOcXlleDdQY1NPOHlBX2oweE0wdjJNQ0YzYU12TUs5d0JxV1NrOU9SRXRPUEtLaG1iRWRMeHc0bEtWSGF4V3E2aXlmT1B1ekJBOEgxMFdPSmRKVzFR?oc=5) · southernillinoisnow.com
- 2024-07-29 [1st installment of Marion County Property Tax Bills is due Tuesday - southernillinoisnow.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOTlNkTG5TcEtCeVJFdGVmei0yNUg0OXpqRm5yd3B2WHNSeGk5c1hFQ0tVZGZ6MmtyemhUU3FoSnVMT1pwQkh3dGlMNDRNeGNDdUxrYXVkdFlOMFBPM0x0TXQzSDBSaW9fT2Z2Vzhma05sdTBjeTI4MEhVck1QXzRVUHFYNWdHVnpLTUVtbWtrNFB0VjV5V19NbjFza0J4bVQwTmhkZEx2RWlvY2hPOTZF?oc=5) · southernillinoisnow.com
- 2025-07-17 [Payment for first installment of 2024, Payable 2025 Marion County Property Taxes Due Next Thursday - southernillinoisnow.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOTUpEdUswTzVweUZWWXBZaWU2RF9oMm5yN2Z0a055MDRaVlhSTnNUakpNY3oxZTl2SXZQU1RZdGRzSHBJRmVvWjRhbk5uWHhnenlieGZSamZzT3QtbHh1LWM0cmRMcWVremdkRkZseFNmM05VNHpaZTZBajZWNWFkTFVCVFdBc2trZE5FZlNxTUZVcFpmTUFMNnRaYVF2SG9NcUhhYTZWeXpBZzFLZmk3TkNWeFJ2QXYwVUVBWC1ZcnR4d1NGVHNaLXZ6N0pjTFk5TGNJeDFLOFc?oc=5) · southernillinoisnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11317 (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/53.json (key "11317", 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