# TEUTOPOLIS STATE BANK
TEUTOPOLIS, IL · FDIC certificate 11708 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $358.5M | |
| Deposits | $309.0M | |
| Loans and leases | $183.1M | |
| Total equity | $48.5M | |
| Loans / deposits | 58.44% (p11 of band) | 82.04% |
| Liquid assets / assets | 46.27% (p90 of band) | |
| Uninsured deposits / deposits | 16.74% (p17 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.72% (p88 of band) | 10.81% |
| Unrealized securities loss / equity | -10.90% (p41 of band) | -8.10% |
| AOCI / equity | -2.21% (p7 of band) | |
| ROA (annualized) | 1.77% (p78 of band) | 1.28% |
| Net interest margin | 3.68% (p37 of band) | 3.91% |
| Efficiency ratio | 38.59% (p4 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 15.03% (p20 of band) | |
| Auto loans | $5.2M (2.82% of loans; DQ 0.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.2% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | NIM <2.5% |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | NIM <2.5% |  |
| 2012-06 | 0 |  | NIM <2.5% |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | NIM <2.5% |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 | NIM <2.5% | capital falling |
| 2021-06 | 0 |  | NIM <2.5% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | deposits shrinking, uninsured deposits leaving |  |

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

- 2024-12-30 [Teutopolis State Bank Awards Grant Funds to EPC - thexradio.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVXpPZmlJdDB2NHBBSDVSa2xTNktSaVMwRlR1SVkwdmJBMGNXNWZxRVdtU3dZZm05ZWdyYmtJUDBlYmJ0WlJ2UTJRMjBuMFRMaTY1dnk5RGRvUVRtV0lyN09XYkZGeHBoUzNXV181MjkxQlNaeEo0QlJpREFRWEVNT01abW9pNk15SGljNGNCTzRPYTFCVzVmbDRPbw?oc=5) · thexradio.com
- 2019-09-03 [Effingham County Chamber Of Commerce Celebrates With Teutopolis State Bank - Effingham Radio](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1iN1hsYm5qM1FUUTUzWGtTcDdvQnN6TllTbDd1c2IzUDRQaDEydkRkSzhNNVBCdDZCX2hsTG5sVkRjSXBPMXJSQjMtV0xRNWlQSlR3X0xRdExmdlU5U0E?oc=5) · Effingham Radio
- 2021-11-22 [Teutopolis State Bank awards grant to Teutopolis Civic Club - Effingham Daily News](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPckZFZVpCbzRCMlp2dkM2SHVQalRYYnloYmYzZElyckRudVJQS2pXU2pwM0IzWEZLblNJelYtYmVSNzBEdEZBWXBGdk1mUTA2NVB1WEV4WVdMZk9CZGcwUXducld2UG1zZVUzYzU1NGxlVjdCYXJoaHpUU3ktdjlfSjRkTnhJblVkNm5wb1draG1Kblc3bkVGVUFhZ3IzY3dSaG5pa2hfRW42YlNFYVNlNEU5UW9VMHJ2NkphY2psY3lZaUhuUDhoWlRMOHBhQXplZktXVlBPa3J5NzVoRDhxZlhQNVQzblI2N2c?oc=5) · Effingham Daily News
- 2025-09-15 [Ila Marie Probst Obituary Sep 15, 2025 - bauerfh.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTFA1NFVsUVZGak1OT1BOMGctSWtqTW1VMkVRLTV6UHNRWEdLdWpQaXhpQzIyN0o1MzJUbWF6cUFhWjN1RGZIWS00SUc1SEY2QS01aUxyS2NrXzk?oc=5) · bauerfh.com
- 2021-05-12 [Grilling For A Great Cause At Teutopolis State Bank - Effingham Radio](https://news.google.com/rss/articles/CBMimgFBVV95cUxOVWVOVkgwVEM2T1piVURjOWd5NV9XWkMtQ3NxZHNtZ3J5R1doQWVLMGVYbnhNX25qREl1TDJtaTVhVXQxczhnc1MzX2d2NmZsMDd2dTJnaktRV3dpQ2dJTGk3d1FJWEJURlJEYndFVk1DaFlwQnVsT1oxalc4amZaZUFadWVUQ1BDLTZVaklKMDdZUGtaNFdLaWJR?oc=5) · Effingham Radio
- 2023-08-23 [Linda Koester - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPYS1iQkRmTXJZYTNSek5ZMlpNdC1zT0d4cE80dHpJOVMydzI1UTNBY0pKZG91cm1uVGdxV3REakN2TkJkWW9uV1BvQmFpMUp1b3VmR3dHWHpMTnlDUEhzbVRDdlVSMzJXUGJHZ3RRMnEtMDRNa3BKMm9UcWdrXzRxUjZIZkpqYUZjdEQxa1puMkY?oc=5) · legacy.com
- 2018-05-18 [Teutopolis State Bank Contributes to the Teutopolis Knights of Columbus’ 75th Anniversary Celebration - Effingham Radio](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQOEdhdjlCRzdYUGkzR3E2RGlZZUF2dXJvSEdWVEF0SlRWdXNGQVVDSGx3cTFxeE1IU2FvNkl6Y1FDdEwzdmF1UUF5Y2x6b3lFbHQ3ZE1DbzNlVVg1dzhOSm0zYURFZUlvTEJ4dlpxZFp0LXV5dG5HWWg1Q3dtaHNyZFlQckc1amZfM3ZsaUZYa090LVRRc3ZmQ0NybjFoRXA3N3kybHlsU1Jjb3FNQlc2OFk2OVRHZ0dwR0F3SzBDMERBMDFsZW9lMXFKcmJsWDhlRmoySzUxNW14ZDQ?oc=5) · Effingham Radio
- 2018-06-27 [IN CASE YOU MISSED IT: EFFINGHAM COUNTY CHAMBER HOLDS RIBBON CUTTING CEREMONY - Effingham Radio](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSWlrdHpjclVaTENRbmxNSFlZazJQbDhOd2hLU1dfanRmd0Q2emJDZE5rRGpHelNGNXQyVVpTVXptaDZKREVuckg3WFBjdnNYbXdEMlZFd3F4eFFianl0VGptZjd4NHl5dEJfLU8tT2NPbnQ4NnpkanBYeTVzSV9UYjMxZGw0cW4zNS13eE1TMlpyMjdPWkpRbA?oc=5) · Effingham Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11708 (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/60.json (key "11708", 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