# ANCHOR STATE BANK
ANCHOR, IL · FDIC certificate 11681 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $73.5M | |
| Deposits | $64.2M | |
| Loans and leases | $31.3M | |
| Total equity | $8.7M | |
| Loans / deposits | 48.27% (p18 of band) | 73.59% |
| Liquid assets / assets | 54.34% (p82 of band) | |
| Uninsured deposits / deposits | 19.56% (p49 of band) | 19.81% |
| Brokered deposits | 0.34% | |
| Wholesale funding | 0.34% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.61% (p59 of band) | 11.76% |
| Unrealized securities loss / equity | -2.03% (p70 of band) | -6.57% |
| AOCI / equity | 0.18% (p91 of band) | |
| ROA (annualized) | 0.96% (p38 of band) | 1.17% |
| Net interest margin | 3.65% (p35 of band) | 3.93% |
| Efficiency ratio | 77.60% (p74 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p85 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 54% | |
| Construction % of loans | 13.00% (p43 of band) | |
| Auto loans | $273,000 (0.87% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 27.1% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 1 |  | losing money, expense ratio p90, NIM <2.5%, noncurrent p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, expense ratio p90, uninsured deposits leaving |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2013-03 | 3 | capital falling, NIM <2.5% | expense ratio p90 |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | NIM <2.5% |
| 2014-03 | 6 | capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 | noncurrent p90 | capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  | noncurrent p90 |
| 2014-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 4 | noncurrent p90 | uninsured deposits leaving |
| 2015-06 | 4 | uninsured deposits leaving | assets shrinking |
| 2015-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 1 | deposits shrinking | uninsured deposits leaving |
| 2016-09 | 2 | assets shrinking |  |
| 2016-12 | 0 |  | deposits shrinking, assets shrinking |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2018-06 | 0 |  | uninsured deposits leaving, capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 0 |  | loans exceed deposits, wholesale funding >15%, capital falling |
| 2022-03 | 4 | brokered >10%, losing money, expense ratio p90, assets shrinking |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 2 |  | losing money, assets shrinking |
| 2022-12 | 2 | capital falling | brokered >10% |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | expense ratio p90 |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | losing money, expense ratio p90 |  |
| 2024-06 | 2 | brokered >10%, capital falling | losing money, expense ratio p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | uninsured deposits leaving | capital falling |
| 2025-09 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2025-12 | 1 |  | reserve under noncurrent |
| 2026-03 | 0 |  | brokered >10% |
| 2026-06 | 1 | capital falling |  |

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

- 2026-04-16 [Survey Finds still Negative Rural Banker Economic Outlook - Pro Farmer](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaFhqYXNSWnZ4b0hCaVd0dWc1SHczb3E2ekd4bHJMRFgteElHS0c5d3RkWjdoc0FPYmRKaUgzZ2pwNjFGNTdZbzF2THFCYXk4Wko5YmNIejc2eUdWWDh6OTBncWR4emRJdjRfSzR4LWlZRGlOQ0Z5S3R0TWNnNXdZZUZqZnMzZTVRb29Kcms4TGNYSnc1cE9HRFEwYWRQMHJpekdxNjVzcVA?oc=5) · Pro Farmer
- 2024-02-15 [Regional survey of 'rural main street' economy, led by Omaha university, paints overall negative picture for sixth straight month - Nebraska Examiner](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPZktEaFF4SVFUMVM3R3JLNzNfSmt4V0NUd3VtOWlxR3hYUlFoWHdkMzRtMl9oQ1hyMlAxa3A2QXZlWGlTMko1RnBCQzRQOTVaMER6ZnVNNnhLMkdxTGtOQWRFd1FQZ294R2NtYnk2c01FNUhMekxRcDNHeGREZXIwZEpBVkJwdHdJcmp1bGNyNHBmZ2FSZVo0U0tHaVRQUkNTWWN5YmFJbENLSXhfWVZSTV9HWW1Uby13X3ZoVVk2cndKS3ZzVjBUZTZIRWMtbnFKUlpPcU1nTW5qenduN1RucHd4R003VXRMN2dIYjg1RGt5eXVj?oc=5) · Nebraska Examiner
- 2026-04-18 [April Rural Mainstreet Survey sees improvement but continued economic weakness - Rural Radio Network](https://news.google.com/rss/articles/CBMisgFBVV95cUxOeW9qNjhLY3R1S0xYR0pqVWpvWlBzNzhTai1EdERFVm1ibEd5ZW9Nd0ZGazlFRFRoUktqRlBWeFMyWUozaEFHVFhub2RZTm5FNVRTbkFmeVpldFB0TDRXbk9WamxBVGtybWl1WGFkanN3Q2hNbC01TVM0U1gzMkhadHVWVDlFcFpYWGhZN05DZkdUUW5TLWZLSUdFTVBxLW94RjJmUFB5aE5KTXdVckNsczZR?oc=5) · Rural Radio Network
- 2026-01-30 [Rural Mainstreet Index Records Highest Reading Since July 2023 - American Ag Network](https://news.google.com/rss/articles/CBMirAFBVV95cUxOLXJuT2I0c1FGbEYwdUVzYk1UbVdYM21ic2pKSXBLZjVIRXdCeVRkbnJYTWJKdGtTV0tPT19KUE9BQjNCVnZOM0Q2TnRJV21nM09JbDdselpSclJCOW5TODhKbkJqUk9GYk5mRFBwNmtTTnlnTmJndE11OVpQUzZPMDl2OGdyTjJCRENfdTc1Y3ZYYjNZUFVjZ3pUMTlRdXJ3MHdMNTRhSFg1YTBL?oc=5) · American Ag Network
- 2026-07-17 [KMOR - Rural Mainstreet Index plummets with weak crop prices cited as top farm economy threat - Rural Radio Network](https://news.google.com/rss/articles/CBMivAFBVV95cUxOR1dILURKQTg1TlBsX28xRmlpb2c5Y1dnSVkxd1ZhcnhVdWNsQ0oyekc5eFc0cDJoWGd5aWhqRm0xTUdYNEFXUFhpSERNRVVUT2dWZ19uLXdsOHpqQTRUdkwybUtvUlpsTGdkZTdaR25VM0pybU9uR01GRmZvQndNOEVYbzFPR2JNNVZJSmk3clVDQVNiN2NGOWF4ZmpyeTk0S1B1T1BnQ2tMUlplb3JUZjFGLWZ2SG9zUE0yUw?oc=5) · Rural Radio Network
- 2024-02-20 [5 things to know today: Sharing insights, Economic outlook, Ceasefire call, Electric trucking, Zales closing - InForum](https://news.google.com/rss/articles/CBMiswFBVV95cUxQYkFONTN5RDJUV2Z4VHdXWWZycWc1dVY4ZUdlazZ6c2hDTTVwOXlXd0tmMXBnUkFUcHlVcVQwQk5WN0o5NEZVOFZqc1ZocUVXZW1lRFRObDVLVzhhMlNSZFY0UjEzVXZ2WDlvVUhqd3lHRWxWdUdnYnhNU2pfcFFUT18yUlIwMnNaMWlPcEJVOXV2NTFRS25KODM0SkUtZENwZ3BaX19SaE0wTnpTTXI0NmdrRQ?oc=5) · InForum
- 2026-07-16 [Rural Economic Indicator Turns Decidedly Negative - Pro Farmer](https://news.google.com/rss/articles/CBMingFBVV95cUxPU09MNTAxa3pUMUd0enFrTmV6MDVjVDJpdVBWb0JNdTgxTVo5Q2x0TTBXaVY0dEk1bVQzWmFrVExHQjlNVlY1MG5DMWx3UlJKLWRwMTJZYkdrZG5zUEdsamlQY0VQMHVid0o3bTZqVG9nN3VUMXZETnZlSlEzODNfWktDR2g3LThWS3BpS0tKdGt0OEtGSVlZTzdNUGo2QQ?oc=5) · Pro Farmer
- 2012-08-30 [Drought Pushes Borrowing Higher, Land Prices Lower - beefmagazine.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPWUhiNE1DWXhxMTFDVy16cHNEUXlILVNzRF9vTTIxc2gxZERjS0ZsZlJHdUxWYUJETzRBdFpPeU1CcFFQQkZtR3g4UGE4b2ZHc2YtVmM3N2xwRzAxUXNwR1E5MDV2YUFiQkg5cFFfeHZZM1RObWd1aWlUYnlHdWxGSzRRUkRfQzNIZTV4cTRBdmRWdlpu?oc=5) · beefmagazine.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11681 (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/33.json (key "11681", 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