# GOODFIELD STATE BANK
GOODFIELD, IL · FDIC certificate 11699 · asset band <$300M · 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 | $285.5M | |
| Deposits | $250.1M | |
| Loans and leases | $223.7M | |
| Total equity | $29.0M | |
| Loans / deposits | 88.46% (p77 of band) | 73.59% |
| Liquid assets / assets | 19.41% (p20 of band) | |
| Uninsured deposits / deposits | 17.05% (p40 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.00% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.58% (p34 of band) | 11.76% |
| Unrealized securities loss / equity | -5.72% (p54 of band) | -6.57% |
| AOCI / equity | -0.37% (p51 of band) | |
| ROA (annualized) | 2.72% (p95 of band) | 1.17% |
| Net interest margin | 4.26% (p66 of band) | 3.93% |
| Efficiency ratio | 41.64% (p4 of band) | |
| Noncurrent loans | 2.59% (p90 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 43.72% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 40.62% (p73 of band) | |
| Auto loans | $4.9M (2.18% of loans; DQ 2.56%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.7% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | capital falling, charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | capital falling, reserve under noncurrent |  |
| 2018-09 | 1 | uninsured deposits leaving | capital falling, reserve under noncurrent |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2019-09 | 0 |  | capital falling, charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 1 | capital falling | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2022-12 | 1 | charge-offs p90 | reserve under noncurrent, uninsured deposits leaving |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | capital falling, charge-offs p90 |  |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 3 | noncurrent p90 |  |

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

- 2026-01-13 [Obituary information for Joshua Kuntz - Knapp-Johnson Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE1Ib2ZpZ0RfN2ZqSnNiUk9yekZVT25Sdm9ma2h2Y3A1bnlsb2pkYUZBN0R6U0tnQ1FaTmpyWTluYVpWc01CbHF2eC03ZXFpOFR1QXF4Yzh2NkhtSXVTQXBFWG00SFc3UklQTDEwUUUyM1RyRWZU?oc=5) · Knapp-Johnson Funeral Home
- 2025-06-09 [Goodfield State Bank to purchase Hickory Point branch in Varna - The Pantagraph](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdjlxMkpWY3llU21pS2I0UkZCZTR5eTVQVkRRQVVneG45cHBaMzB1S0JQanNUS2Z1YkluVUZSMlNKNzNWMGdKckNPdjZzbG9aVkhxY3BoYmZRcHNBZG5NR0RmRXhDYU80REpYQldCV0J4NmdVZlVfdDRGVEMwOThSYjBpb2htcnlaanh0V290cUJYWm9USFc4?oc=5) · The Pantagraph
- 2011-10-10 [Goodfield State Bank at top of class among 588 Illinois banks - Peoria Journal Star](https://news.google.com/rss/articles/CBMijgFBVV95cUxPemxObE9uQmhCZi1QTUdyVXpfRzBqQTVSbnZGZXNUazhKN3dPMV9xd0ducTJfb3k2d19BanlVWlZ4QWZNOXg3ZnBXX1hNT0hFbWVEbzJ0R1FNd0txUy0ydFkta1NwTE1MdThoNVMtUXhKaWRsUmpCWGR0TjV6SXVENVJHbDlubmNzdk9FY2V3?oc=5) · Peoria Journal Star
- 2023-07-31 [Obituary information for Mary Emily Simon - Kibler-Brady-Ruestman Memorial Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxPSjZKV2pvLTgya2pXdDVfNFZwUzcxRmQwV1VZYjNSRk1WR3U1dDEyRGgyMmxSSDNtTk05RlVQQUdEWjJxX05hVjlwVlhrbmR3TUNMcmFwUzBUclIwb240VGM5amdjUU9xQk1wRDZlRnZaQ0kxdVZQWHE4eUxiS19qYUZoVQ?oc=5) · Kibler-Brady-Ruestman Memorial Home
- 2026-04-16 [Eric Charles Huser Obituary Jun 14, 2022 - Mason Funeral Homes | Metamora, IL](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5NUG9TZ3JrY1JNLWN1Q1drUEl6dVFmdEhkeFctckdCREdrVmZMbmFCaHdsOWY4NzJIZVl0SDJCaGJSamJjN2pwbE9jUGJGaFFVMHJPYlFLZVczc0ZpcHZOYTJzODFmZw?oc=5) · Mason Funeral Homes | Metamora, IL
- 2026-07-27 [Frank E. Myers Obituary (2026) - Wentzville, MO - Pitman Funeral Homes & Cremation Services - Wentzville Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE9jTUk3S2IwTUpkTlYzVU5xMThmb2QwS2VyczdDYzdjdE9TeWZCZFhKQjVmcEV3Q1ozWGpWTjlUV052ZHI0a2FncEgzMVBKUlFkOVJXVmNMNzVyMHhGTlZ1UzgtdXRNaWNZM1N0Ti1aUmM2YnNaaDRKU3RnRTlfVUE?oc=5) · Legacy obituary
- 2013-04-20 [Rodney Ropp Obituary (2013) - Tremont, IL - Peoria Journal Star - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPcTQyR3lBejZHM3puVlJuQW1CXzNXRjNuMk54R0FWRlozRFA5ZHN0Q3NZSGtsbjcybU4tNU9PZkdEY19KRHJ6am9BeGZrdnc3dk9pakJyemFrVU5NODJBMEFoanBXdWw4ZGo2ckUzMFBUNWpLcThpbHZ5ZEtQaUMyaXUzT1BaSW4w?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11699 (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/51.json (key "11699", 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