# BANK OF FARMINGTON
FARMINGTON, IL · FDIC certificate 11732 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $240.1M | |
| Deposits | $211.7M | |
| Loans and leases | $165.4M | |
| Total equity | $23.0M | |
| Loans / deposits | 77.42% (p58 of band) | 73.59% |
| Liquid assets / assets | 25.79% (p34 of band) | |
| Uninsured deposits / deposits | 31.11% (p84 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.25% (p55 of band) | |
| FHLB advances / assets | 1.25% | |
| Tier 1 leverage | 10.96% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -14.10% (p32 of band) | -6.57% |
| AOCI / equity | -0.30% (p54 of band) | |
| ROA (annualized) | 0.44% (p16 of band) | 1.17% |
| Net interest margin | 3.50% (p29 of band) | 3.93% |
| Efficiency ratio | 82.63% (p82 of band) | |
| Noncurrent loans | 0.20% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | 0.21% (p93 of band) | |
| Reserve coverage of noncurrent | 464.20% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 81.16% (p90 of band) | |
| Auto loans | $2.1M (1.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

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

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

- 2024-08-08 [Farmington nursing home under court-ordered receivership - WEEK | 25 News Now](https://news.google.com/rss/articles/CBMimgFBVV95cUxQOGkwREUycjJrME55X2Rsa29oT0lTN2J3YzRIek9aZUVpVDdKWVZXQzNUaXo5NHppUFk3M2Qwa1BlYmN2cDJnS0VaWndqZUtITzNCOWszS01xVWd4WmFlTmJoWlZiN2syLURFcGJSWGdRYUR3ZHd1bXFBbmtRb2Y5VnlOTTZlMkJkbHBlZHB1WWxYQnl4NWZJS1RB0gGuAUFVX3lxTE5zMWJxNWV6djRqa2xoUHVHeG1wTFZ1bG5IN0JIaDc1bVUwVHduYmdwVF9pQTJrbnFEOTRkNl96OTcxYWhEYXR1b0p1Z2dZT2dZWVEySGNVcWxQYjFkbGRTcnY2U2pXRVJWQUUzdWRFV3Zja1NScTRFVWM1MVpIZmdGaFZzbVFGRUdNWVlkVXQ1RTlqZ3IzX09oX2VEWGNSajZocm0zVG9BVTJ3QUVzUQ?oc=5) · WEEK | 25 News Now
- 2024-08-06 [Petersen Health Care's Farmington nursing home will now be overseen by court-appointed receiver - WCBU Peoria](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNQzgtY3AxTHhBUUFPMl94U2ZCNVRvYXFhZk4tVk9aajRvbm1ibGtJbC1aNlFEaTV1SDJoMWdSRGk2YTMtOFFSaml4WUZBaUF3UFpsWGhVbjJWZWFrVnNpOHJoSjEzVzVTTXN6VktZV001ZDlWdHVtVkJLRFRJdmVvamxydnpwWkV1RTdsRGNRamZDM2s0U3JjSUZmcVVYVEgwMDhlcVdka3BqSDQxSWhSaUhnMlVqNUZ4U29UT25OTzhmRHFnX3hDemJUQlZ0WmFaTE44?oc=5) · WCBU Peoria
- 2021-08-17 [Beardstown Savings wins community service award - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPSHh0MUFIYjRqOS1JVEFLRzRJdTJ1d3lFWEhpMHpoWG1FaFl1WUJ6clBzYWZEWVZXNFViaDlxaFlRcFJfWDVpWGxhcGdjUVd6c1pXSmNHNFRpVkdDTjRUMmdOTy1LVWpUcjJmRERBRWFOZU42WHdfT2toTlBNLXRnZC1xZlBGcTFCa1NTM0ROc011VzFiWW5JMUVfejlZZnJacF9jTzVZWWNwUQ?oc=5) · Jacksonville Journal-Courier
- 2024-07-03 [Stalking horse bidder wins majority of Petersen nursing home properties at $116 million price - WGLT](https://news.google.com/rss/articles/CBMizgFBVV95cUxPNUN3Z1FyUWM2SlVNdG1Oei14cWVLeWpuRlA1QldGWDFyREV1R2V4aTZXNHNSRW1XZmJoTmxUQ2l1ZnFTS05TaTRQYk9xb1F5QUg4MTJjTWp3ZVpaTmhrUndaSUQycnlRNDFmUjRyV0htMGx6cHNRUTdjay1IRGFJalZ2b0YxMGxiWVVaODY3d2g1TnRKVnVkUWNmRTd1TGtodUpJZ2NQSWgxUkY0RHVvc2s0R1JsVzF0dGZuZFNNTk1XUk5zWlI3WnozUDgwUQ?oc=5) · WGLT
- 2024-07-11 [Federal Court Approves Petersen Health’s Sale of Majority of Nursing Homes for $116M - Skilled Nursing News](https://news.google.com/rss/articles/CBMivwFBVV95cUxOLXR6aW9hZ0ktRWlzMHd2QXVrQWl0ajNPRC1kTjgyWE9sS0g1RmhxNlFHNHBCZ0xfT2U1UDRMbVZDd3FLUXFucW10U0xoNUtlQTN5MWkxRFZEbjU2YTFRQThXQm5uWTRaQ2d4dHFrMnBsRzhXb1EzeDRqcnNpM3dwYlBlY1pncDNRX1BfUmJiX28xSTgweUJOV204VXVKdnQybHMtQ2hOTXB1WUZQekt3eHFGNnpCRDFiczBzSEJncw?oc=5) · Skilled Nursing News
- 2026-01-09 [West Peoria News: New cornerstone connects our community - The Community Word](https://news.google.com/rss/articles/CBMikwFBVV95cUxNT1VPaW1kTlByc3RfdmQ2VzFhekRUdVRfa0dkSUJMdDROendvMi1vUDBXdzMtTFNMYzVZbUpIRHMyLTVEODVkT21rRUlKYzRhYUxWNGljUzhjOGdxSTZrUWduU2REVzNta2pKWkhLdFBLX2VRV0Z4aFZZUzJuQ0l1bjhnT2hBQWdhVXRScnRaV1JURWc?oc=5) · The Community Word
- 2025-07-03 [Kent Kowal Obituary (2025) - Trivoli, IL - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTE1KM3N3cHl0bm1jelozVjZZVi1vN1FoSG03U3hBWnFlcFFkUjU0RWVnVG1TblR4WFE2ZUdqTGhpSGNzNUhiQ3ZNUWQ2aGFEb0ZOcU5mdnRWdDZwWldfclFobGNyUjE3Uk1SeHF6OUh2Z3ZNaUN0STRYYnpqYTNqUQ?oc=5) · Legacy obituary
- 2025-09-01 [Theone Corbin Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFA3SmgzQ0FkcXNndFNRcEV0UmJPdUpMMFM1bkx4bHZfY3M4WElteGs1NG12RFJwa0NNSWVGY1ZMbVJBYzQwcmk3WTRsWkw3WmhLVmFuT2dCb2l5emVFbDJJVHlGaUJkVUoyUGw3SzVtOXVwYUVvLWdBNUR4YUtXNnM?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11732 (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/20.json (key "11732", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide