# BANKORION
ORION, IL · FDIC certificate 11739 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $688.1M | |
| Deposits | $582.9M | |
| Loans and leases | $447.4M | |
| Total equity | $57.7M | |
| Loans / deposits | 75.90% (p37 of band) | 82.04% |
| Liquid assets / assets | 30.30% (p65 of band) | |
| Uninsured deposits / deposits | 25.87% (p49 of band) | 25.97% |
| Brokered deposits | 1.31% | |
| Wholesale funding | 7.71% (p69 of band) | |
| FHLB advances / assets | 5.78% | |
| Tier 1 leverage | 9.73% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -35.10% (p9 of band) | -8.10% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 0.91% (p27 of band) | 1.28% |
| Net interest margin | 3.40% (p24 of band) | 3.91% |
| Efficiency ratio | 64.10% (p59 of band) | |
| Noncurrent loans | 1.18% (p77 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 93.85% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 49.77% (p56 of band) | |
| Auto loans | $8.9M (2.00% of loans; DQ 0.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 2 | capital falling, reserve under noncurrent |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 0 |  | capital falling, reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 1 |  | NIM <2.5% |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | reserve under noncurrent |  |

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

- 2025-01-13 [BankORION parent company to buy Bridge Community Bank - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxQNUpwdGRqbmJxblRIY1o2X3ozNmYybXNVOHMzbVVEbnMwTkF5WmM1OUdoNnBJc2lWS1g1cGlFeXp6dllqLXdLMjJ1OVJWZFNXZ3hqVjRoTzFJMnVVbXJBY1lZbUtnRmZJcXd6VHBoMFF5TFVodlBoaE9QMUxyVlFfa0tteUt1Vll2M3E1YzVB?oc=5) · Quad Cities Business Journal
- 2026-07-17 [BankORION Celebrates Grand Opening Of New Aledo Location - WRMJ RADIO](https://news.google.com/rss/articles/CBMihgFBVV95cUxOcmQtZFdkMWtucUxOb2M1MWNpbFZUdTk3ckZpTHBLRzNpak9iZUJUQmFIUE4tTVNlbnJ2aTdaeTNrNmRPWWdReGN5REZpYzV0Rzh2OE5LaVlDU0NLVFFGWUtZb0NldW56SXY0YXFhT2JhWE1BeFFmakNjTXRhdTJoemItWFlvUQ?oc=5) · WRMJ RADIO
- 2025-04-04 [BankORION holds annual shareholders meeting - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxPRFNTb0plSjFsQzhyaXVFU1J0RUJDcndSQXF3MklKT1NkUWxsbFgwa2pzTUhDVGNwMW14RFpYZFN2ZTFMTGI0dXNxTjhXeXloUEF2MHdwMG15N3NJbDhpZVVDWEJVYVRRQjFqM1MyY01xYjlFbEZtcVNTU0ZOVHFiVg?oc=5) · Quad Cities Business Journal
- 2025-06-02 [BankORION Building Brand New Aledo Facility - WRMJ RADIO](https://news.google.com/rss/articles/CBMibkFVX3lxTFA0S29URWZOZjhHLUQ2bHY3UXV3Ykl6UWZJbjBvTUlsb3ZDRWYxOWpGYTY1TUdvVno1WWlidnVsWEhya1lPTDZJVE9venU5bnRJazhMWVpwOVRwT0lxdHFqeE9WWEpVWGtobUN4LWlR?oc=5) · WRMJ RADIO
- 2026-07-28 [BankORION celebrates new branch in Aledo - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMifEFVX3lxTE9aSThMT3I4UHNEakZlZVFXUXNaU0x1U2UtRGJNWHExRFl2b0ZsLS04UDMwMGxJS0p0SnhUVWEyVTI1SmQ2Wjc5My1JS3BtRXV1Z1lhX3g2VFRnOVFhdjRXeGVma0NKbUVQbjNMaWFsUUVCa1B1VXg5YWsxazM?oc=5) · Quad Cities Business Journal
- 2017-07-03 [BankORION announces leadership changes - The Quad-City Times](https://news.google.com/rss/articles/CBMihAFBVV95cUxOa1owNGR3aUUwSWJaTHU3QllZaVNudk5acnYtaGdFOE9SMkgySTlqRzg0cER4OEE5dFJoZG5TRHR1V0ZPOGFyVzEyWm1jbU5QM0tjYkRwQVQ2MWFIeUVzT241SkNNck1vUFhkZVNTLTVMSkZ6N2M3QV9xZkt6ZVdoMUdvUjU?oc=5) · The Quad-City Times
- 2024-11-15 [BankORION To Build New Facility In Aledo - WRMJ RADIO](https://news.google.com/rss/articles/CBMiakFVX3lxTE5TY2l5NWJXcVliYUJzRmdTNFYxRGFzQTR2UkZNME9wRE5pcXJkZGF6VENSbkNaSWN2cEtoUXMxVklyM1JEUHhGSFJfbkZFWG5BVjF2NGxYVlgtMklOb3lxcVVpNWxUV280N0E?oc=5) · WRMJ RADIO
- 2024-03-13 [BankORION names new chief operations officer - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxQUnNUZTROdEhMYklFSE1jOU81dFN3UTlwa1l6YU13VndCb0hybW5CMkVpQmk2RWVucmVmZHJxSldKZFh3OWpqMjIxSUZOU1RBX0xkWl90NFdJaXFHOWpEdHVFWXA2MWFhOHk0WDllM00tamlxS0NIN0hzSUhweHNWdnJR?oc=5) · Quad Cities Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11739 (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/27.json (key "11739", 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