# LONGVIEW COMMUNITY BANK
MOUNT PULASKI, IL · FDIC certificate 11319 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $316.8M | |
| Deposits | $264.9M | |
| Loans and leases | $225.5M | |
| Total equity | $37.8M | |
| Loans / deposits | 84.40% (p57 of band) | 82.04% |
| Liquid assets / assets | 20.84% (p34 of band) | |
| Uninsured deposits / deposits | 15.10% (p13 of band) | 25.97% |
| Brokered deposits | 2.53% | |
| Wholesale funding | 6.29% (p64 of band) | |
| FHLB advances / assets | 1.58% | |
| Tier 1 leverage | 8.50% (p6 of band) | 10.81% |
| Unrealized securities loss / equity | -2.35% (p77 of band) | -8.10% |
| AOCI / equity | -0.91% (p25 of band) | |
| ROA (annualized) | 0.82% (p22 of band) | 1.28% |
| Net interest margin | 3.83% (p45 of band) | 3.91% |
| Efficiency ratio | 64.80% (p60 of band) | |
| Noncurrent loans | 2.40% (p92 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p81 of band) | |
| Reserve coverage of noncurrent | 36.27% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 22.74% (p28 of band) | |
| Auto loans | $4.6M (2.04% of loans; DQ 5.75%, NCO -0.01%) | |
| Loans to nondepository financials | $5.0M (13% of equity) (p97 of band) | |
| Deposits YoY | 22.7% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | assets shrinking |  |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 3 | capital falling, charge-offs p90 |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | capital falling | charge-offs p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | charge-offs p90 | capital falling |
| 2015-09 | 1 |  | charge-offs p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 3 | losing money, expense ratio p90 |  |
| 2017-09 | 2 |  | losing money |
| 2017-12 | 3 | deposits shrinking |  |
| 2018-03 | 1 |  | expense ratio p90, deposits shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | NIM <2.5% | capital falling |
| 2020-06 | 2 | deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2020-09 | 4 | capital falling, NIM <2.5% |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | deposits shrinking |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 1 |  | uninsured deposits leaving |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity | losing money |
| 2022-09 | 2 |  | expense ratio p90, AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-12 | 1 | capital falling | NIM <2.5%, charge-offs p90 |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 0 |  | charge-offs p90 |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 2 |  |  |

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

- 2026-03-07 [Longview, Middletown State Bank to merge April 27 in Illinois - The State Journal-Register](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNeDl4Q0JZQ3BYUDVtYU80LTAzRWd6aUlPaHlNS0t5MU9BTjAyLVR5RHEyUUxOR1A5TTNoWEZZYllCSnctM285bXNnZHVVZ2NUSDc1Mzg4UzFIVnkyMVE0aUdDVy02UFNfMGU2MG1wZmRiLWlYRVgzODh3TDhFbjNrWVpydkFXeGZ0NF9LZDZrRXpOVTBwcnVnN0U1SkRsdE5lb3lxR0tOcVQxMGR6bW9nZ0pFZWcyeEJz?oc=5) · The State Journal-Register
- 2026-05-28 [Longview Bank Announces Hiring of Dean Grimes as VP, Commercial Loan Officer - Vermilion County First](https://news.google.com/rss/articles/CBMivAFBVV95cUxPNkVLUHRFT0hVcUhma0lhQTV1eERsYTQ1eVZOc3BoMjhIeHQ0MnBEUUVvcDlfWXVqczZOYVJtR3dENFhDX1ZaT1lqekxQUnpPZmdhTlJhQUtGV1A5Ulh0bVBGVTJraGdFenk3SklMLTlBWTJwcWNnd0xOeUdrR2c3cmlWdzdkX2xzMnBQVGVqMDVwaGg2cGRZQjRhdmJIOXFkRzlyVVVnczhJVHlMTEp0cG9xamtaQXMyWUk2Zg?oc=5) · Vermilion County First
- 2024-08-20 [Longview Capital Corporation welcomes Lora Fisher as compliance, CRA officer - Illinois Business Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxPcnhBdGpiZ1BXWE5nQ1oycmZ2dy1ON2VJYXNIWGlhZjFBdFVKTlBPcnB3X29FM2w2UEVGbnIta2tPX3dDNGNIOWNvYjYxdFNVQjJiQWVvdWpUMDhnMm1GNkttbXo4Nm9hVU9lSnhERkRPallTR005UEJyMDFQbkhZeE5STTd4ZFNFOHhGQnZLMVlkUWw2RGR5QlNQaDlIWnp2akVNdWc0QkE0VzJVNDlqYjZqRQ?oc=5) · Illinois Business Journal
- 2025-11-07 [Lily Owen Joins Longview Bank Tuscola as Agricultural Loan Officer - Vermilion County First](https://news.google.com/rss/articles/CBMisAFBVV95cUxQZzZMTjRpbGRmZGYtNFRudjFzSjJvblhjSjdPbEs5TTA1OGNWMTBoYXItWlRGTzlybUtrWTI3c0lkc0hWd0VkMUxkc2d2WXhFcWJnSHJOT0l1Zy1jUkVaVTJEZkZPNjJmR3QzSWdXMXZ3T1JqUHZDWXZXVDFGZjFYMDQ5dFhJY0pGcnAtYXJNdC1hRlAtQmRoLUZyOXBlZ0Y4amEtNlIzX1lXRG8yTG5tZQ?oc=5) · Vermilion County First
- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · JD Supra
- 2025-12-17 [Wright named student of month - Ford County Chronicle](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNNHNrRmhYMUhsTWRCcF9zOFBpZk5YcTFEdWpzRmFKOGZXN055WWJvZFhxNmNMNzJuMFZjWlMtRlV6cUprYWFMNEg0WmlMTXhTRW1XSGpHOEFQWFh0Znp2UGFUem1TRVlfWDh1SzJHaFU3eVRtcE9OZllDZ1R1QXo0UE5JNVA1cndq?oc=5) · Ford County Chronicle
- 2026-06-08 [Free Healthcare Clinic Coming to Paris for a 2nd year, Illinois June 13 and 14 - Vermilion County First](https://news.google.com/rss/articles/CBMivwFBVV95cUxNWUFFMGI5NHFwUk5tS2ZWR3lrUTE4MkdWejI5WDVPRDc0UGJrc205X1RRbFhXOHpoRzRDRzBmME85MjFNTU5UZ3dSZDl5MzVVRk5COEtNMDdoMVhKSmF0cnQ2bXlhTjN0S1dGNG8tN1pPMjhaZm9TX01qMlQ1UHNEZG1VM1lGV2pDbHlSNy1HbDAzeDM2U3BJelNiX3llbXZidjF6TGkwY1NPamp2ZEphcWJOcmFlczhicUE5WDlDNA?oc=5) · Vermilion County First
- 2024-07-11 [Wanda Peterson Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNZVNaU05VLVpVTVptNE42OHoxeVBvRkVaREpOZzhEWUlLQzR0ZzZSNVk3ejJzWkstMXMxRVM3NFpNS2IyWmNhLUNOVDU1N1BnRmxFaldlRTFvcFE1alJETlJhUjdUaGtJbUUyNnVNZVpfbHltMXFkdEpHZEJzbkthYk5MSWg5STdf?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11319 (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/55.json (key "11319", 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