# BROWN COUNTY STATE BANK
MOUNT STERLING, IL · FDIC certificate 11721 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $114.0M | |
| Deposits | $74.6M | |
| Loans and leases | $85.9M | |
| Total equity | $11.4M | |
| Loans / deposits | 113.53% (p98 of band) | 75.30% |
| Liquid assets / assets | 19.45% (p23 of band) | |
| Uninsured deposits / deposits | 8.78% (p25 of band) | 14.23% |
| Brokered deposits | 11.01% | |
| Wholesale funding | 35.42% (p99 of band) | |
| FHLB advances / assets | 21.93% | |
| Tier 1 leverage | 9.09% (p19 of band) | 10.87% |
| Unrealized securities loss / equity | 3.29% (p68 of band) | 1.65% |
| AOCI / equity | 1.37% (p65 of band) | |
| ROA (annualized) | 1.53% (p84 of band) | 0.88% |
| Net interest margin | 3.25% (p27 of band) | 3.67% |
| Efficiency ratio | 54.64% (p11 of band) | |
| Noncurrent loans | 0.43% (p41 of band) | 0.69% |
| Net charge-offs (annualized) | 0.07% (p71 of band) | |
| Reserve coverage of noncurrent | 324.59% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 19.76% (p56 of band) | |
| Auto loans | $1.3M (1.53% of loans; DQ 1.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 1 |  | wholesale funding >15% |
| 2013-03 | 2 | wholesale funding >15%, reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | brokered >10%, uninsured deposits leaving |  |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 | capital falling | uninsured deposits leaving |
| 2016-09 | 4 | uninsured deposits leaving | capital falling |

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

- 2016-09-30 [Liberty Bank purchased by Chatham-based firm - Alton Telegraph](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZTlXLUlXT3dZVWo5bVR4ZWVuaUl0WW9wbHJUNHhMa05lNGxKMlFBMDJRaWpiQWVUNHVXTEZsRTFlM0dIS3kyWnY2QnoxS2Z5dGRoaDV2SjNVZTZwYUhQMkFRVXNPTTVaQlFYcG5aNm40cGprZVBvdUFtOGJGZEpxeWxOZUhaLUxqbDVHSm01czA1MXBCRzF6VzVieDFNTUhP?oc=5) · Alton Telegraph
- 2024-02-22 [Newsweek names United Community Banks as one of America’s Best Regional Banks - Muddy River News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNTjdzUDM0aUNYc21WVHFHV3NORjdQOElCMXlZNGxza3lna1JSTk9qYlhONDdKcnhTclJNTTIxdGhWNW5nMzVDMkhEbXE4b2trVTVkLXRLWnJIcW1hU1VzR2R4NDFIUDhYbW9LUjhocHdpcWFXUTFSWGszTl9IdHc1djlVZ3Z6aXJDZWVVX0d0Vlo1N29YNkVhVDFqSEl4bURWdjZSSVEwQzBNRHNtNzU1czY1Rko1UkYzSDFzZGtWZDNTWmhHSi1Icmg5bW5pcjJBSkxNbGJWaw?oc=5) · Muddy River News
- 2025-01-13 [United Community Bank names new President and CEO - Springfield Herald News](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdlRla01nbFB4ZmN6V2FhcFFyYk5EeHQ0dFFaMS1qSTJXSDBhUGsyNW9vMkJ0MkVqQ0xsVnFjYnFWc0dGaWF0ZGlYMWE2OU42bndOWWc0S2wxNWd4a3ZhWl94V2FOM1ZzYUp6eFpVWkhybkFhb2pHWjNtc1B5SVZKUkRGdEREZElSRk5UVGpsWlluR1Q0eVFhSVRhOA?oc=5) · Springfield Herald News
- 2016-09-30 [United Community Bancorp, Inc. announces agreement to acquire Liberty Bank - RiverBender.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPVGhCUVlKYnVZb05yUlVNMFRMVElqNXQ2M3phRWR1MFJjbkgtVWhsZXNPeXFwMFIyMU1FOUc2cDJhLUtQczhtcW5YUGRkQW1XVm5zZHEtRWFROUJabXdBRENHV21KY3RKUVN4ZHBoa2dlTk1kdXRCb3otcXpENmI0c00yemFCQ0VLSEQzOFVndnRYdUtUMVREVzM4NzRvcjRPazRLRHo4NHlOMk0yVTBUMFltQnVHdmJtSWo0ckhZVWU?oc=5) · RiverBender.com
- 2009-06-01 [Culture of Caring: Government Relies on a Wide Range of Illinois Nonprofits - NPR Illinois](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQUTE4cERvbWpvZDF1OXdSaVNKbDdjbFJBRmdIUGhrRzRTc1ZiYmFac2I5Z3N0dVJOTldoTm1OSGpGVUh5cmItaHRvQ3hBZEtYbjIwbHNwZW9nMDVITUF1SU4xLXp2ajk0UEZEbzh5M2V1aGtvdDR2TGlBYkZGWWxBdHlPaUJ4YVZZZTRNVFJCQWhOdUE5ZFUzaXFFRWVBcUNTeU9aVEpEM1BsSXRjRWtIZjZ5Q3oxXzlhYjFvSHBLNWFQQQ?oc=5) · NPR Illinois
- 2012-10-07 [Tanya Miles Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaTJVdGNRNDNKRmpyd0tKSE1IN2lSdUhnWUZES3psajVhWDZiSFRKd0hqcFVFblgxWFF1TGk1N1F5NmtLeGlWNmVubU5yM2phTzYxZlFXWUIwQ2w5NHBoNkdYWm1ObTMzZzEzcWw0OUhJNmZWVHh3SUh2aV9CcXFLbVV1QmQ?oc=5) · Dignity Memorial
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2021-10-12 [Jerry Gunn Obituary (1938 - 2018) - Camp Point, IL - Herald-Whig - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNUU9uYzhFdTdpeXBnRjNJdURVSktUVEl4QjVZNlRvc1R1RFRHd084ZDVOMWN4NFJ6TWlWbGx2V1oydWtxYXNvV2g1azY5QU1Pekp3WEtrRlJMdnU5Y0tVanl5ZGxoOW83aVVib2lneE50aGRZWTdySFFDcEpMdzVQN1BNM2g?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11721 (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/9.json (key "11721", 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