# CENTRAL BANK ILLINOIS
GENESEO, IL · FDIC certificate 11670 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $1.46B | |
| Deposits | $1.12B | |
| Loans and leases | $1.01B | |
| Total equity | $152.0M | |
| Loans / deposits | 89.34% (p57 of band) | 87.10% |
| Liquid assets / assets | 25.67% (p66 of band) | |
| Uninsured deposits / deposits | 9.88% (p4 of band) | 30.76% |
| Brokered deposits | 6.64% | |
| Wholesale funding | 19.29% (p88 of band) | |
| FHLB advances / assets | 12.65% | |
| Tier 1 leverage | 10.39% (p47 of band) | 10.50% |
| Unrealized securities loss / equity | -11.99% (p35 of band) | -7.75% |
| AOCI / equity | 0.17% (p86 of band) | |
| ROA (annualized) | 0.98% (p29 of band) | 1.26% |
| Net interest margin | 3.68% (p49 of band) | 3.70% |
| Efficiency ratio | 50.71% (p25 of band) | |
| Noncurrent loans | 1.85% (p90 of band) | 0.51% |
| Net charge-offs (annualized) | 0.51% (p95 of band) | |
| Reserve coverage of noncurrent | 63.37% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 60.14% (p63 of band) | |
| Auto loans | $2.7M (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.2% | |
| Employees | 185 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 3 | brokered >10%, reserve under noncurrent | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | reserve under noncurrent |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | uninsured deposits leaving |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | brokered >10% |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | uninsured deposits leaving |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 2 |  | uninsured deposits leaving, AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | securities losses >30% of equity |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | charge-offs p90 |  |

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

- 2026-05-25 [Central Bank announces summer concert lineup in Geneseo - Shaw Local](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdkRiajBoNkVRZkRPLUQ1bF9lNGlXbDlyZkZEandMMkdSYk00YWdiXzFlYmlseFRzVjcybVhOY0wyQUgzYmhNRGM0N0RMTHJrUFJpdVdHUkpvREt6bzJyZWk2Z1loNjM5VmktUkNnbVFqaWtiOGxnMGJJLUEzSVNsR252b0dpZ0NoN2oyU295amsxa1E2R0prVXY4NG9lZUFya2hMdm5LQTV2ejJyRGc?oc=5) · Shaw Local
- 2026-03-02 [Central Bank Illinois donates $10K to newly established Princeton Foundation - Shaw Local](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNWEoyTzFQN1RmeElVbm9wLTFFMjZ3VlNERlJsZHFCdEdlTGZwRi1FZmtJUEV3U2JqYzZYMjd1UGZZWU5ZVWJHa1J0VXI0dXlYQVF3VWRldmdBWThMVnlWX3pnV2o2UWNqM2Q2ckRYdHJ0NnhFOTJ0UFNnZm9aZFRGTjJXbTk4QWEtTVNVMmZYbENOWDNWZk9JQzk5UkZJYnJVdnJoa29ob09zMjhBV3hPOFFnZ0J5UG01OXNQVjZHaU51QXc?oc=5) · Shaw Local
- 2026-05-14 [Geneseo's free summer concert series returns. See who's playing - Galesburg Register Mail](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPM1VjdzlHajd4alFwUmVNRTdWTU94X2psQ0pLZHJ5OEdxbTg2SGNGdHB4di1SWjAxenNuWFFwS1hmSjFYaUpGOERDQzJDbG1IcUE4UlBjQm9idUZlN1EyMlJic1lIZkgxZDNjOW5xQVo0OHE2Q0thT25tLXA5T1dhaVlmbm1hQms4bVFHZ0k2Tkk0YTg5OUVZRFlEWkVVaTFvc2pXbjc0UnlseFFLUWFEZ3hJZEpJTnNfdmxVSk9kaVJhbWxvQVBZYzJBVGZKaUhz?oc=5) · Galesburg Register Mail
- 2024-09-03 [See who bought and sold property in Henry County Aug. 10-29 - Kewanee Voice](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdWJWRkMwUkZQSmlfdGxaemVBLWxPSk5pbTN5Q24xSnNMUHV5R0VqdkNhWW5qdHpXc3RIRGoxVE1hWF96ZnM3Nk1MRVdMT2w4RmQwYjlfUzVoMUZTWXRaOTk5ZF81MkdnTDlrT3E2aVRFYTA4NXJKbXBsMkNKY0VnYTZKdFc0UVdjUm5HRQ?oc=5) · Kewanee Voice
- 2025-03-06 [IVAC names 40 Under Forty - starvedrock.media](https://news.google.com/rss/articles/CBMirwFBVV95cUxPODhsZ0gzMDBrYnV0YlVVNGNSY0RBM2VYN1h4eGp2MVV4MGMxVXg3a2x3dDdTRkVQZTltTDhLd2t2QXA2d0JWMkxYRGhkUU9qUm5md3RXUk1xSnJDRkQxc3NSdXVXMFBMbEpjNS1GNHBHZ3RRclF1cEJkWXAyZ3VieWR0STVTbXpjZGZEWjlBNi1PWVBXRzBPRmtid2Z5V2k2ZVZ0RnZFUWl1Mk1GYk1R?oc=5) · starvedrock.media
- 2022-05-18 [Here's who bought and sold property in Henry County last week - Kewanee Star Courier](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNUEU3cmlQTU1PQzJtTHNMV0V2UHpMcUZ0ZGdGSUVUTGQ0VWJEMTBTN2x4V0lHdENnOUZPcmw0Tk5OYl9XbXZURC1HdGlGd210bVkwc2l2UnB3STdHVkd6TFpfeFA1cjNpZkRFQWRYR1drVXRzMVhPRXIxdy1PY19lRkwzcUFVQkZQUFFJdEFBRDJ6RlRFdmtIYUdtbEtReXh6S0RXUjNzZEkydmd3MlM5czNSWUdPams2d0ow?oc=5) · Kewanee Star Courier
- 2026-05-27 [M5 developer loses downtown Sterling property to bank in foreclosure ruling: Court order - Shaw Local](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNZ3NVbDk5TEdaMDctM3JsUUc4OFY4WHFvTXpZdGlqTjJTMzdHUllHRmI3djE0R1hmZVVYQVJiMDRpVjBtb3VGX1JqVjBUdWdSMDZMV1hEcUpzR211QUR4YWowSFpzQmV5NFowalp1VjY2dHdBMkRIQkhPN21tUEFLc2I5bU1uT0w0ZGpPNHRMWTdCdTliQUp2bF9VOUNtRlhYblpPcTJOdEZsVmNLWkhJTkkxN1VobENsWjB2MWhOcThxOWZUUXlNWkx3UFlEYXhZLTdr?oc=5) · Shaw Local
- 2026-04-22 [Rock Falls company sues co-owner for $4.1M, alleging siphoned funds used for gambling, personal use - Shaw Local](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQZzB0SXlRLUV5TmQ0bDkxS0MyUGJLTE9ZT1RTTmNQNFNfSWpueU9kOHljWTV2YlhFdGVhQldCeVVZSENRSE9SZ29zcGJ4Q1Q3NTlpYTJpUmxFVW1GeUdYQWJEQ2RtaFFWdzc2NHA2LVdwY0dHajVUNHgxZjlPZ1loendFa1pLMU93dV9OVG53Y0puU3dqZkxvQ3BTaWpjaWhoanZxYzZDZ0NZcElMQXBSU21WZVNBMThqVVFTU2lQWnF0bHFGQmZtMXJTN000Wk9UUnFDYkp1MXdOYnZiRmc?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11670 (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/22.json (key "11670", 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