# 1ST COMMUNITY BANK
SHERRARD, IL · FDIC certificate 11706 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $65.3M | |
| Deposits | $58.2M | |
| Loans and leases | $46.6M | |
| Total equity | $6.6M | |
| Loans / deposits | 79.27% (p61 of band) | 73.59% |
| Liquid assets / assets | 26.93% (p36 of band) | |
| Uninsured deposits / deposits | 18.53% (p45 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.04% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -1.34% (p74 of band) | -6.57% |
| AOCI / equity | -0.38% (p50 of band) | |
| ROA (annualized) | 0.83% (p31 of band) | 1.17% |
| Net interest margin | 4.62% (p80 of band) | 3.93% |
| Efficiency ratio | 79.66% (p78 of band) | |
| Noncurrent loans | 0.49% (p55 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 185.84% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.2M (2.55% of loans; DQ 1.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-01-31 [Ronald D Kerres Obituary Jan 31, 2026 - Speer Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBYNU9DWW0yRFhhcVVuWTV1ajI2SVU0YjZ2eTdpNktUZGFFNWZGbVFNUnltTTVWOWR2SzJPbHc2aDdNR1d0bG4tV1ZOMmw0ZzJJV0dhQWxvbkdwbGdOSjRxU1B5dWhsVWZX?oc=5) · Speer Funeral Home
- 2020-04-20 [Food pantries provide for Mercer County needs - Aledo Times Record](https://news.google.com/rss/articles/CBMioAFBVV95cUxNcEkzV0V2WXlIN3BCX2ljdWMxRlZWM1NiYnFudXpXbVRxMF9WcndIMGNaMHphazNtcHdpTjRJSExVeEsxbFl4MEtkQ29ScE5WR3dfNTZIMkFvZ1JIYkpNX0J0VTQzLW4yUEpMcDdhWFJ5R2psUG9hby1lNVp4clpyVWhRa29lWk1xay1NZTJpN2s3NTVFYXFmYjBSZ1FFUndY?oc=5) · Aledo Times Record
- 2012-12-31 [Funeral arrangements set for man killed in hunting accident - KFVS12](https://news.google.com/rss/articles/CBMikwFBVV95cUxORmFsOHBybm1fWm41LU9TR3BMaGlDTkZUVEtuMnoxRlVxNmNyMm9RdjBaTTJaNDl0Q1pWZGIteTJSdlBoZUduZldPMG9TMDRFSzM1elNsS2pvVWFSYzNiMU1mT1k5ejVmYm9odEZrbzdqZ3J1Sk0xR0RmeUhUbGpLSUl2QjJZZERfanRfX29McGNKNEHSAaYBQVVfeXFMT3BpckhqUm5tdzVnN01UYVNRWkN6NkZZSFdIYUZJN0kyT3NESTR6M29rXzRMc0pDQzdIOHUwMURFTndlakFtbkJ5RjVZbGRoUlhCdDFMZGtfTjZOWTNIQkV4U2lFNWdfbHJZcGNGNXJEOVJyTnlpSDBvdHE4X2VfZDB0RnQ3T09GUzB6NXN2YmdjaVkyWXJWWlBZbmF1eFc2cU9xcW1UUQ?oc=5) · KFVS12
- 2018-02-20 [PHOTOS: Petoskey ice sculptures - Petoskey News-Review](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOeGJyUU1ISjhZMWRYUFNOMkdjRzRxeDhieGVxVlVBM250YW9rNFVnRWJNZXpxYXhYZ2lDemR3NURTbGpnNUs1djFfc3BGUjlOazFzWjlSYlN0anhfanJRSXFyZjE0dDRCTy1ZaVNPZVg5Y2pnWUJhSUNjMmhDVlUwZ3M2eUlsWjRZN2g4LUpiSG1wcHZUYS1RaURLdGxZUlZKclJaTTZnd2JOUQ?oc=5) · Petoskey News-Review
- 2025-07-12 [Rescheduled, Reimagined, And Remarkable: Youth Shine At Mercer County Livestock Auction - WRMJ RADIO](https://news.google.com/rss/articles/CBMipAFBVV95cUxQdzF2UXNJNUxicks2Q3dIY1ZMM2lHWFNpczlRT2taelBjU3E0d3hUbjBVQUFXczdOZ2RoZXoxemhaWmp3Y2c1bWk5aWxULWlxaHJSSzJXZGRXcURsOENfWTkwTjVfUkpqZkRxbWtWYkNvMXA1eEFHaFFVbXVvcWo5Y2VIc0R4ZS14aXRfRGNPcGcxVkRVZ2kxRkFyM2xWcWY5dXg2Vw?oc=5) · WRMJ RADIO
- 2008-10-18 [Ronald Battiato Obituary (2008) - Chicago, IL - Daily Southtown - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZnBSV2VpaVZEQUVfN2NSQnpxUy03SHRocWxRQzJkMFhqUzhmaDdRdW9kcmI1ZjQ3ZUs4VGdyZ1FFdW5INTU1TE1FM1RtNlh0Y3FPTnBQLXRmMEx4T1lzcmZyNS1JVHdVOVRzOFQ5cEsxRC1CQldTc0JMbVFma24taXYtQjNIOW1HTVppQldQRDNpZGFqeWFONlRn?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11706 (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/58.json (key "11706", 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