# ANNA STATE BANK
ANNA, IL · FDIC certificate 11682 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $111.6M | |
| Deposits | $97.1M | |
| Loans and leases | $43.7M | |
| Total equity | $14.2M | |
| Loans / deposits | 44.64% (p15 of band) | 73.59% |
| Liquid assets / assets | 59.50% (p87 of band) | |
| Uninsured deposits / deposits | 22.28% (p59 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.54% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -11.51% (p37 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.75% (p28 of band) | 1.17% |
| Net interest margin | 2.76% (p8 of band) | 3.93% |
| Efficiency ratio | 67.22% (p54 of band) | |
| Noncurrent loans | 0.02% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 3400.00% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $369,000 (0.84% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.0M (7% of equity) (p98 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2013-06 | 2 | uninsured deposits leaving | reserve under noncurrent, assets shrinking |
| 2013-09 | 4 | reserve under noncurrent, assets shrinking |  |
| 2013-12 | 1 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 1 | deposits shrinking |  |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 2 |  | reserve under noncurrent |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | reserve under noncurrent |  |
| 2023-06 | 3 | deposits shrinking | reserve under noncurrent |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | NIM <2.5% |
| 2026-06 | 0 |  |  |

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

- 2026-06-01 [Anna State Bank to join Alliance Bank, keeping staff and expanding services - seMissourian](https://news.google.com/rss/articles/CBMiywFBVV95cUxPcnRWYWNGUkFHOE9udW5uWTFNSXU5SHdjS1JGWmN1bWV3Qnh1UHlDUHN6SjNVdXRaRzFFcEs5bjdrNjRQWkNvOGJnT0RUTENWbVBOTnVLWk9CcVFJR3Z6QU9od21JNnJId0Q0U01PYS16R1gwbi1kYWlzTWd2M2FJSkRfVlVJRWhobndudHl0WHM2MG5iVWUwak5tUEpEekd1TkF0QUdTRFRfMlBwMWY0NFF2d3ZHekFuOE1yNEd4Qzg5QmVMZEc1aFFybw?oc=5) · seMissourian
- 2022-10-20 [Sandra Kay (Fuller) Norris Obituary Oct 20, 2022 - Rendleman & Hileman Funeral Homes](https://news.google.com/rss/articles/CBMigAFBVV95cUxNZGVMcDFaWFliMTExS1p2a05tMHRqdVJvejBLbFpZTWlZQUR3UmhQTWVFSVUwcDlwQVJDUlo3NWhWMDllS2JTQm5WNTJxTEFIVmxjRzBFc0FfNDMtZmlWazNNQXNGQWxPb2ZJdkR2TTg1ZXBleHVQMlQ3ajhqOVNCOQ?oc=5) · Rendleman &amp; Hileman Funeral Homes
- 2022-10-27 [Sandra Norris Obituary (2022) - Anna, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPUFBrYWMxNHhLcW1qaGc5UERHZDU5amFHSlRTdmFlUWR5Vm0yeXdId3VJdjJoTnRyZnRyMzg0cDRiMFdoV0g3VjJXRkRjblU0LW4wTm10QTBCUEQtWUNhRW5MQVFaRFpsc0dlT1RVOWphV1F5V3lNN2psaUVPTm4tMHVSd3lfSHAteUhXRy1YTU1zQQ?oc=5) · legacy.com
- 2026-05-26 [Lois Joan (Mosby) Mowery Obituary May 26, 2026 - Rendleman & Hileman Funeral Homes](https://news.google.com/rss/articles/CBMifEFVX3lxTE5aTWNzaDZHdWdRVTNKMUNOamZlVVp4N3NDUHgybEVwMk50NlhsNi1wUmhfdnBxX2tZdDVuREdCNld3a0hkaVM2dFVsT3Z3Z09sM3p5elNzTTVENVU5MndYQ1JOVWd2Q29CdWprSU5ob2lnVGlZS3FhOXpaUjQ?oc=5) · Rendleman &amp; Hileman Funeral Homes
- 2021-07-18 [Joshua Mcfadden Obituary Jul 18, 2021 - Rendleman & Hileman Funeral Homes](https://news.google.com/rss/articles/CBMiekFVX3lxTE9XQ0ZRUVhkVHUzOHY0cWQ0UVBoN3FSdmF2VW9SV1oweFJmU2QtYS1sSTlpX1FSaFpNMnhUN2VRR2RuaWM4QlBCdXRsQlF5UGxmOWpFSkRqdTZYZExrektpdGc0X3NLWHpFcUtPOS15Q3hoNzBJaXotQmdB?oc=5) · Rendleman &amp; Hileman Funeral Homes
- 2012-07-19 [Barbara Gulledge Obituary (2012) - Cobden, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPb0o5T0JHMVlYaHBOd1NYQzJFNlpvOUNzVEhkaFYySEpTYXFWeFVUR01mUml2bWYzSC1RQnczck1aRDJ4STlzVlJTbkFsYW94Wm05alVjQzlZV2MtcFNPelVrRmZuZTBJVlRoYTc4ZTVLbEZCcVdTUFNiYmlqSmhSUTlTa0xISTl1dkVqUk13cjJjZGptT2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11682 (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/34.json (key "11682", 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