# FIRST STATE BANK OF RED BUD
RED BUD, IL · FDIC certificate 11704 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**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 | $96.0M | |
| Deposits | $82.3M | |
| Loans and leases | $39.5M | |
| Total equity | $11.9M | |
| Loans / deposits | 44.92% (p12 of band) | 70.28% |
| Liquid assets / assets | 53.60% (p84 of band) | |
| Uninsured deposits / deposits | 6.14% (p38 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.04% (p42 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 10.03% (p52 of band) | 9.92% |
| Unrealized securities loss / equity | 6.60% (p71 of band) | 3.23% |
| AOCI / equity | 6.04% (p86 of band) | |
| ROA (annualized) | 0.53% (p40 of band) | 0.69% |
| Net interest margin | 3.08% (p13 of band) | 3.86% |
| Efficiency ratio | 76.18% (p56 of band) | |
| Noncurrent loans | 3.80% (p80 of band) | 1.38% |
| Net charge-offs (annualized) | 0.20% (p55 of band) | |
| Reserve coverage of noncurrent | 167.58% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 13.85% (p45 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 19 | |

## 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 | 0 |  |  |

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

- 2020-02-09 [Marlene M Cowell Obituary Feb 9, 2020 - Pechacek Funeral Homes](https://news.google.com/rss/articles/CBMiWkFVX3lxTE0zcmNzQnVuajM3eUUxLXQ3Z21KdVBKWDNjLW9ocmZZeUwxN2l2blFwVi1ZbzFmelhJMkt6WHJRZTFTZkJQNjQ4ZURfRUJrZm51WktvbFVEZGVDUQ?oc=5) · Pechacek Funeral Homes
- 2024-04-22 [Bonnie K Hitzemann Obituary Apr 22, 2024 - Pechacek Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1KQ3VPTVJpOTZ6SWNwSkduY1owdUVlOWJCT0t0WWNXNFY3d1kzdy1jd0x1SzdEZDFvTlBkby1yS1o0Zk5nVkVDNUI0OG9CendybUNoemdiZmtlSEpf?oc=5) · Pechacek Funeral Homes
- 2023-06-12 [Loren Paul Harms Obituary (2023) - Red Bud, IL - Pechacek Funeral Homes - Red Bud - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFB0MjZlc29JSC1QTkxaU0JOeENNelZqdEJBOXJNWmVSLUJFcnFYaXdDLVoyUWJ2b043ZGRuVjQzT3NjbTkySlJ6dVgtNkZfaU5nUnZZSU9tcWUtMk8xdmt1alZqZ01PYTRCQUZaWlMyX1dWMmFYRXpERmlscUc5bUE?oc=5) · legacy.com
- 2008-06-25 [Oliver L. Ratz | Obituaries - Southern Illinoisan](https://news.google.com/rss/articles/CBMirgFBVV95cUxPbTB5bkd3S2w5MVkxSlZ2bjJJZ25ZMUdyeGxHVUJiNlROcUFoSVFVZE9xOWNzTUU0TE5vVmlfbmJRZFptTE9xMnBNb0FPN2dZYy1GMHJDcVNwTUlFclRFZ3FCQnpVWHl5UExab2RpM2ZaSkZ0dm8xbm03SXJHUEpVd0JJNW5xNU03ZFNMUW9XTzBYbTFPYXM5YTZQNjNXaUg2ZXFsRHJNTGZ6T3RaM0E?oc=5) · Southern Illinoisan
- 2021-10-10 [James Buss Obituary (2006) - Red Bud, IL - Belleville News-Democrat - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNWUhCd01SZWVycS1JOXI3YWZPV0x5R21CLXZDODZ2RDU5RENUdC1fQ2hqNmVNTFg2V3U5cDAwTjdJWmlQOHJXZll1dUV4Yk5EYkI3ODNMUVhwczlIdEJHQXpRbGpZMENIaWp5bTMzazd4dnBJaHZRRGR4VWxBMzkybW9SbWpVeDAtU2NEZg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11704 (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/56.json (key "11704", 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