# BANK OF KAMPSVILLE
KAMPSVILLE, IL · FDIC certificate 11750 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $134.1M | |
| Deposits | $110.7M | |
| Loans and leases | $47.2M | |
| Total equity | $22.9M | |
| Loans / deposits | 42.33% (p13 of band) | 73.59% |
| Liquid assets / assets | 60.55% (p88 of band) | |
| Uninsured deposits / deposits | 7.46% (p7 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.41% (p86 of band) | 11.76% |
| Unrealized securities loss / equity | -2.62% (p67 of band) | -6.57% |
| AOCI / equity | -1.16% (p24 of band) | |
| ROA (annualized) | 0.93% (p37 of band) | 1.17% |
| Net interest margin | 3.00% (p13 of band) | 3.93% |
| Efficiency ratio | 63.84% (p45 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p60 of band) | |
| Reserve coverage of noncurrent | 6980.00% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 2.12% (p23 of band) | |
| Auto loans | $5.0M (10.62% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 1 | capital falling |  |
| 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 | 1 | uninsured deposits leaving |  |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | reserve under noncurrent |
| 2021-03 | 2 | capital falling, NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 1 |  | NIM <2.5%, securities losses >30% of equity |
| 2023-03 | 1 | reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 0 |  | reserve under noncurrent |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | deposits shrinking |  |
| 2024-12 | 0 |  | deposits shrinking |
| 2025-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2025-06 | 2 | capital falling | uninsured deposits leaving |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 1 | capital falling |  |

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

- 2026-08-17 [Calhoun County Fair 2026 - Barn in the USA - RiverBender.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9Tb3Fhc1FOckVpbmtraFV6enFkdVFYYkJLVVVDcXk2b3R3WHI5MlJwd2pNRmxQUi14UXJsZ1RlbTdVWHhnTDNnOVFfaFVoMU9tcWdxRjJQLTVVQXRtVlFFRmZEVEtMZ19EVHdaWG1n?oc=5) · RiverBender.com
- 2025-08-11 [Circus set to visit Pleasant Hill - Alton Telegraph](https://news.google.com/rss/articles/CBMijgFBVV95cUxNeS1QQTRwMVJBbDd2STl4QVpOSXJEUlhBYWFKVTFFNm1MREZqZWdiN1Fyd2hqQ1RZSURaRURZYlhldWFUVFpfYlkxUnk1UTRfbV90MElicnFIVHFSVlQtanJfdFFCVVYxXzBlVUpxNUNGZDZkTUYzMHlIZUptSTJ3VFVmcTJIdUxSWG5lTlpn?oc=5) · Alton Telegraph
- 2018-03-28 [Teresa Mortland Obituary (2018) - Hardin, IL - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMm9CbHpNUDAzS1BYNFplMGxRbzZaTmVZZktCNVhGRzhZYXdzRXBzeWUwN2tzT2hGWU53NDNOc2xaZ1NZQm9aUFZiSEZpZmRlc1A4cERTdFYzaTRkUUdncjVQV0U5TVVuVkVoTUpRSS1KSmktZF9WckZzYTZkRzNlZkZFUUdiVS1UTFh4SzJaZm1JY0tOYUE?oc=5) · legacy.com
- 2026-05-06 [LC Student Abigail Johnes Balances Architecture Studies With Leadership and Service - RiverBender.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNeTdIeTBKVHhhWnNsQlJrZ2pqbXRrdUcySWdXalVsbEF6LVZCYzg1eEt3YTc2TGZzVjdDeGpaWjFMTThYNjVoUFBpU1lKbXRieWdWU2x5S3FQNm5VRkhlTEJ5d2E1dGJoZ0U5M0FJWE11QmRDZXAxV21HVWItLUprYW81cjVoLUE4LVlfTkplSmpzWUVZMzQtZDZMN0tvOTY0QTJpeTZXZ3JRWmdIeXdwbDFyYTVLb1F6M0VOM09jR3ZDQ0R2QndJRWxrTmpFTlU?oc=5) · RiverBender.com
- 2025-08-08 [C&M Circus Bringing Family Fun To Pike County Fairgrounds - RiverBender.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQZVcwTEZjLUh0eFBzbHByOHM3eFZuTTBCZFdmTjFPUlVFN1dXTXRxVGthUHJEYzJRWXEzZXdMZ3ZYaFM3eVZaNzdZYXdaQ0dCLVJXazJEdkxFZFJYajNkUkQ4Q1ZXUG80cEFXWnBqeXZ5MlRfaEVXWk04US1ZY0JyZnNLaWFsbG01QzVDZ1VVSjVkQzhhZWRZN1owQzJGNl9TUGZaR1NlZnNrY00?oc=5) · RiverBender.com
- 2017-12-15 [Registered Sex Offender Michael Dean released from prison - RiverBender.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxNVnJ6QWJKWV9QTzRJU2ZfV19CLUVrbXJrd2VaMEVURWtEbndZQmdITzhMSTg0c2pLNzk2d0FKTUpZVnl5VWc5Z3FmMS1hT1ltelhkeUlxWk45Q0t3bWllWG1BMTVGYmRtOG1fNUtVQW1DdHNJR0JqUWQ0Y2lSVUo2alRVZ2hPM0ZRVmFTMVlwcjl1Tk1tTU5OSlJRNGV0bXFvZnE0bnl4RXVtVXpI?oc=5) · RiverBender.com
- 2017-08-30 [Calhoun Fair announces Little Miss, Little Mister, Jr. Miss and Miss Calhoun pageant contestants - RiverBender.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPa1J5U1lvYXVQdk1LbHhJdnl1RmpnZnhKQWdGX1Bmb0x6SXh0Z0RpbHphUDhwUXZZeU02ZFRESGpzRDFsU1ZacVBZck9ZTW9IWjhsdVZqRTZSbmVEdWlqZVlVQzRMMjdfS2xoRlRpV2FnbjY1eHVZanhraHJndVpwcTFlS3lacVNSenJUanU3WDNlOUpFZFExdkJZS2owcV9NTWxIcFE0RXJmVnFydGN6UUlVbGRlYjFjLVlULXJHaEtNU3NrczlNdjdlcHdPX2s5ajBEekZ4U1dEWkNx?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11750 (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/38.json (key "11750", 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