# PIONEER STATE BANK
EARLVILLE, IL · FDIC certificate 11726 · asset band <$300M · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $128.9M | |
| Deposits | $114.6M | |
| Loans and leases | $81.6M | |
| Total equity | $12.3M | |
| Loans / deposits | 70.22% (p58 of band) | 65.77% |
| Liquid assets / assets | 31.73% (p37 of band) | |
| Uninsured deposits / deposits | 27.18% (p74 of band) | 19.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.48% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.32% (p40 of band) | 10.97% |
| Unrealized securities loss / equity | -0.13% (p92 of band) | -19.70% |
| AOCI / equity | 11.20% (p95 of band) | |
| ROA (annualized) | -8.07% (p1 of band) | 1.01% |
| Net interest margin | 5.18% (p95 of band) | 3.56% |
| Efficiency ratio | 169.71% (p99 of band) | |
| Noncurrent loans | 0.04% (p35 of band) | 0.18% |
| Net charge-offs (annualized) | -0.04% (p6 of band) | |
| Reserve coverage of noncurrent | 3138.89% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 13.11% (p40 of band) | |
| Auto loans | $499,000 (0.61% of loans; DQ 4.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 6 | capital falling |  |
| 2012-03 | 4 |  | charge-offs p90, capital falling |
| 2012-06 | 5 | charge-offs p90, assets shrinking | noncurrent p90 |
| 2012-09 | 7 | capital falling, deposits shrinking |  |
| 2012-12 | 4 |  | reserve under noncurrent, assets shrinking, deposits shrinking |
| 2013-03 | 0 |  | losing money, expense ratio p90, charge-offs p90, capital falling |
| 2013-06 | 5 | losing money, expense ratio p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  | reserve under noncurrent, deposits shrinking |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | capital falling | assets shrinking |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 3 | reserve under noncurrent |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 2 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2015-06 | 3 | expense ratio p90 |  |
| 2015-09 | 1 |  | deposits shrinking, assets shrinking |
| 2015-12 | 1 | capital falling | expense ratio p90 |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | expense ratio p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 4 | losing money, noncurrent p90, reserve under noncurrent, deposits shrinking | uninsured deposits leaving |
| 2018-06 | 2 |  | losing money, noncurrent p90 |
| 2018-09 | 1 |  | deposits shrinking |
| 2018-12 | 3 | capital falling, charge-offs p90 |  |
| 2019-03 | 2 | expense ratio p90 | capital falling, charge-offs p90 |
| 2019-06 | 3 | deposits shrinking |  |
| 2019-09 | 1 |  | expense ratio p90, deposits shrinking |
| 2019-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 2 | losing money, expense ratio p90 | assets shrinking |

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

- 2025-03-13 [Illinois’ NuMark Credit Union to buy in-state bank - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQZXZzZ3NmS0pxb0Rfd0lSOXRrNWxJRUJSSnM0MVhibXVjbUhvYlR4aDNZMTdrZHRnRnJfanp2eWU0YV9wSzRONmlCdzNsaEd1bHAwUmFMeVR0VUt2VG04WHR1YXYzM0N4c2xYOW5CWWZEbmVUeGhjbk1IcF8taUlTVy04bG5fUGtldG9DRXlUeUl6Y05PUndMRVBlR1pRT3ZNbm1JUnd2X2dlMjZyTWJqMndZdk9mTWNrNWxma1Q4c1JiTDJ0VFBRZTdCVlZXUnc2YkFQNg?oc=5) · Banking Dive
- 2026-03-27 [State of the Pipeline – March 2026 - S&P Global](https://news.google.com/rss/articles/CBMivAFBVV95cUxNSmMyNHJCR2hRY0lobnNnT1A0WTlXeVhSWHpuSzFzSGlfbnAyZGtMYkJTTHpzVWpCd2g5am91NzJUajlrNHNkcXNoRy1vaHg4QVJTUHZKblRFYVIwcjViU0kwNWZ6S1hLeGd3OVV3aV8wdDlTcFkxaWhfdHVKa2c2dFlEdGRLc1lQMFdGRk80cU5fZ2UtMWhzcnNRNkRZeFBKVVlaU3RJMDZPZEppc3NwUGhWV21WV2t6YjhISw?oc=5) · S&amp;P Global
- 2025-03-12 [Credit union strikes deal to acquire suburban Chicago bank - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxOakY0OHNLd3JPTHJBVFJGazRPS2oybXhndi00NjdEUGJXZzR5R3FKV3VaT1NOTWtXMHdmMFMzTFU5X0g2b3lVSnozSGFQNGpMeEc2R1p6dDhPY2lDbFVnXzFMTlFqSkFsRER0MUVxS1Y4X1VHRU81c2JheTBvaUpjMy0tMDBHU1VidUYwaFRMYkcxUE9EZG9xMjhB?oc=5) · American Banker
- 2022-06-03 [Illinois proves M&A hot spot with pair of credit union-bank tie-ups - Banking Dive](https://news.google.com/rss/articles/CBMivgFBVV95cUxQVzN2YmF4cWZkTUhiTzFVcXR1bXgtOXFfZnhnT1FFX04yZmllQVBnS3ozdjdPZUIwZThGb1ZxUGFheTNnR2lKbkdOY1psOERsckhfbnJSMWtuSld3d0ZFM0pha01abFVxNVdMY3lHMXRCcUdIQm1CcFZwdk1VZ28ySlZJcUU5c2lTcTNUVUxUcVQ2b0NzaUhaY05fM054MTFHUFhUM3ZSdjlRMHVjbnV2cm1IVExQNDFIRThYc3Bn?oc=5) · Banking Dive
- 2024-09-18 [‘The Golden Bachelorette’: Joan is looking for love. Did she give retired NC CEO a rose? - Charlotte Observer](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSkVyMEpCZDJuOE50dHZIeUp0TTc4ejZydGxxcm1FR3NwODB2c2xvYVVuUDVrNWFMbVNPWlRQWFJuZkR1aGN5ZG1zOXhEc0hzWWg4cjJrM3pnZU92c0lnVVE2bEY4cTJxUC1BMTAwdE5ZR0x4MU8xRmFJdHVjQ1lUeWlCb18tZ9IBhgFBVV95cUxQWWRzcFYwWmNyV1ZXdUozdm82a3FRZHZ3M1RseS1xM0djYTZZYUpxZWdoM1ZmU1I2aXB6emx2VXM4R3FtY2IwWFVVREl0ZmhCUU9tZm5jSVE2cE14NWVmU3NYRk83d1NiUFZfenIwdU5fNWpJMDNoSGZlSDB4SnZmNEhKdWoxZw?oc=5) · Charlotte Observer
- 2025-11-25 [State of the Pipeline – November 2025 - S&P Global](https://news.google.com/rss/articles/CBMiwAFBVV95cUxORmRMZ2dDbWwxZzJLaTdaM0ozOV9ERHVsZGw2bk9fenhWa1NzOG5SUG9TWU1kNFhGSTlWYUVhZkFtNnBRMi1nd1ZzZmFTVlBBRGJuZzRBWWxrQUVfX21DbXF4VUZEVGVKWE83czVwN0JpeWdlSEx1TUwyWFplS3BVRk9HM1pDWnhyVldYN2s2d1BEdXdhWFVTaEpaQUxpcmRLZE8wYnlVUy1Pd19OZW0zYXdSRjdpOWVZMWVYa3RZMXA?oc=5) · S&amp;P Global
- 2023-08-30 [Michigan credit union buys Chicago-area bank in August deal surge - Banking Dive](https://news.google.com/rss/articles/CBMixwFBVV95cUxPc1h5WlpLTXg1am5xSkJ0NzNUTjc0YTZQM3ZHd3NtN0pKbTVVREhScTNyUUtseXNQNFlSZG5YSU1OOVRzRmdXcXRqczMwVHdrMDRQSUJmc2gzamxQeHU1Vm84QU4xcWFIWVJXWk9aVGl2b3E2ckdtRWxfTTVjckZyMzdsbDZ4b2ViSHJsV2ppU3ViLWxhMENLc3I5eTZ6cXJqSXk0XzdrZWlmd0hXdXpTTWpWdlh4WGdRWGRsUW9xRmt3N0ZRWUQ4?oc=5) · Banking Dive
- 2014-08-14 [Awaiting a New Tenant: Pioneer Arcade at North and Pulaski - | Chicago Patterns](https://news.google.com/rss/articles/CBMijgFBVV95cUxNUF9LcGczeFNWTWwxU1VySWtQUEF3amRqT2tiTU1wdVJRdC0tc0Y1QTljWjRvX01lTHgxSm1aWGgyZHFRcWNCbTBxeW1Nbko2ZFJXU3VFbWVZZ2pQVkZsNURLXzBLbHhwN0s3RGNyVm1PRGIzNTBxbUV2YUhQUDc5SEJ0ZllUNjlWWGMzVHh3?oc=5) · | Chicago Patterns

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11726 (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/14.json (key "11726", 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