# BANK OF RANTOUL
RANTOUL, IL · FDIC certificate 11711 · 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 | $285.8M | |
| Deposits | $223.3M | |
| Loans and leases | $96.4M | |
| Total equity | $27.5M | |
| Loans / deposits | 42.26% (p13 of band) | 73.59% |
| Liquid assets / assets | 62.89% (p89 of band) | |
| Uninsured deposits / deposits | 25.72% (p71 of band) | 19.81% |
| Brokered deposits | 1.43% | |
| Wholesale funding | 13.49% (p90 of band) | |
| FHLB advances / assets | 1.05% | |
| Tier 1 leverage | 10.75% (p36 of band) | 11.76% |
| Unrealized securities loss / equity | -14.05% (p32 of band) | -6.57% |
| AOCI / equity | -0.72% (p36 of band) | |
| ROA (annualized) | 1.52% (p68 of band) | 1.17% |
| Net interest margin | 3.14% (p17 of band) | 3.93% |
| Efficiency ratio | 52.74% (p19 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 55% | |
| Construction % of loans | 4.90% (p29 of band) | |
| Auto loans | $367,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 23 | |

## 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 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | charge-offs p90 |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | noncurrent p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | uninsured deposits leaving, capital falling |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 3 | securities losses >30% of equity, assets shrinking |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 3 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 3 | charge-offs p90 |  |
| 2024-12 | 3 | capital falling | noncurrent p90 |
| 2025-03 | 2 |  | reserve under noncurrent |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-04-13 [Eugene Schmidt Obituary (1939 - 2026) - Flatville, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQTlnUXZkaWxPN3FCSVRHaTE5dTBKZEwxOE15dldEOElsbnQyTTBSSVpBNXp2Vk9FeEJtb1ExaE1oVTNOMkh2SVF6TEtCcG4tX0t3bjN6dTJNU1FKNlhYU05FX1VCcXVna01ONXd5T29KdVFBOXZ5SkR5Y1RQdUktQnNoa3NoTlgtUlBJRG5OM1ZiWUhf?oc=5) · legacy.com
- 2025-05-14 [Carson Vericker Obituary May 14, 2025 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5vbVlRa0UxVW5LLXFVQ1hOYmFLa0dTb3Njd2NDT2Zndmg2cFNBQnJNeExkam9yZEVHcGs1TG1YMGJwZU1QU2RRRjhkazJibmQyUnNUOFB0cEhqSGNnSkN3WEhMVV95b2s?oc=5) · Sunset Funeral Home and Cremation Center
- 2011-04-15 [Ruling Expected Monday in Cherry Orchard Case - Illinois Public Media](https://news.google.com/rss/articles/CBMiigFBVV95cUxPd0xxM2FHZVVGMDIxREU5dElkMDVXa3hER1ZJRGI3THRIUnZ3N096aGhjaFpMSFViYy1BTEJ4MndvRFdPeFZVemV0YW1yNmd1LWlUTk9vNmxpRFR1T3d2TTlrdTFWOUJuQk5rVy1kamRrX0dpcVo5ZUxta2JKbFVGZ0FtN2FqcWNCVUE?oc=5) · Illinois Public Media
- 2025-01-21 [Who’s exhibiting at Midwest Ag Expo? - agrinews-pubs.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNWFh2SDJFSmNoX3BWYTlkbHVwWFRCSmk3d2JRUUxLR1VmQUp0NjZXZ255WGtRU1FTS2UxaXV6VDlsNEI2aVgtMmNFdG5WdE5WN3NKcDBNZTlmcVJHdktUSDRRY0dhaGt6eDFkVllFTmNNbzE3ZTRVQ0o4S3NUeEgtNWYxOUNpc25BVk9ldDEwbDlhaEFKOXA1MVpaNVY?oc=5) · agrinews-pubs.com
- 2013-01-09 [Virginia Watt Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNU9tU3YyUnJ0S25NTDZyWWM1OW1wWkFrZHdkMW5BTS13QmRBcXJEUl9wbC1fMHE0a3BzYTI4ZGFoMDhwRTJ3TjEwNGZURk50YmsxQ1MtSmptRmlscUtjSHg4WnFuZlFSa2RyZmZRbGpDTzF0bWx0WFRMcDFvTUZrV3d1ZVV2VUE?oc=5) · Dignity Memorial
- 2003-12-27 [Laura Wankel Obituary (2003) - Chicago, IL - Chicago Sun-Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxQWTlyMUg0ZV8zdE0xOTFpT0x5cTd6NUJhUlkwOE1Dd0lOcHJsWjZXMXNHc0JSdHpkRmttOWZvMUptbDFPMXZiY3lDYVZ6T2NoeTcwZGU2bzB3aEo1UGpFUkY2RVEzUXJOSm1oSWgySXh1V3BJQl9pZTFBTXBOSm5IQ0taOHNWb0doWDVzX2FlX0NidVYxTnAwdjdvVXY?oc=5) · Chicago Sun-Times
- 2025-01-11 [Vera Nadine (Hicks) Carter Obituary Jan 11, 2025 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5hTHlMOGI3VFRHMlNfOFZzQno2dHpUeEw0Z0kxNGRpTGFzRWtqOEJZOTR4Zm5JRUtwVHloV0JNeDZzUWtWZk5yT2tudHF3bW1JV2dDQzlhNlpST2xrcDVxTlNR?oc=5) · Sunset Funeral Home and Cremation Center
- 2026-09-01 [Judith Shreves Obituary (1943 - 2026) - Rantoul, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxON25qYklOT1E3d2htenp5eEUwXzNBUzk4R0hrNFVkUWQzZ3o4U0pYSEpYTVBVZEZtQU5IQ0tOWDhQakp2ZnF0eVZoZ3p1SlBmRDIwRlVZNXdCanF3Yy0yNWhCbktFdWxNWEs5V1RneVI5anF3ekoxWGZIWG00NnRmZVQzSTl0QVNvcmJjOTFqdWFDSjYy?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11711 (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/63.json (key "11711", 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