# FIRST STATE BANK OF DONGOLA
DONGOLA, IL · FDIC certificate 12098 · 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 | $34.7M | |
| Deposits | $31.2M | |
| Loans and leases | $17.1M | |
| Total equity | $3.3M | |
| Loans / deposits | 54.34% (p24 of band) | 73.59% |
| Liquid assets / assets | 48.27% (p76 of band) | |
| Uninsured deposits / deposits | 10.21% (p15 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.81% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -4.21% (p60 of band) | -6.57% |
| AOCI / equity | -0.70% (p36 of band) | |
| ROA (annualized) | 0.93% (p37 of band) | 1.17% |
| Net interest margin | 4.24% (p65 of band) | 3.93% |
| Efficiency ratio | 79.80% (p78 of band) | |
| Noncurrent loans | 0.26% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | 384.09% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 27.47% (p62 of band) | |
| Auto loans | $1.7M (9.98% of loans; DQ 6.60%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 9 | |

## Flags firing in the latest filing

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

## 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 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 4 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2014-09 | 1 |  | reserve under noncurrent, capital falling, expense ratio p90 |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2015-06 | 3 |  | reserve under noncurrent |
| 2015-09 | 3 | reserve under noncurrent | assets shrinking |
| 2015-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | noncurrent p90 | capital falling |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | charge-offs p90 | capital falling |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | assets shrinking | capital falling |
| 2022-09 | 0 |  | assets shrinking |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 0 |  | assets shrinking |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 1 | reserve under noncurrent |  |
| 2025-03 | 0 |  | reserve under noncurrent |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2024-05-24 [Google Wallet adds 25 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFAwTkhxMVhwV09EeXQ3dVp1eE1kR0JRc3RacUU0bHhOQ2tWS2c0THhwa3BqNVN2ZGJKbzFxS1E3N043bkRUTjVBelA1VllDTWlXMGMzRTVRQy1OVmstUGZOSHNobC0zVVk1RDFHUQ?oc=5) · androidpolice.com
- 2026-07-22 [Molly Schuyler vs. the 28-inch Pizza Villa challenge - The Daily Egyptian](https://news.google.com/rss/articles/CBMimgFBVV95cUxOOUk1VDd6YkFTWkt2dzdoZ1NMTTlvejAtZWFVMVJsZ1RqX3E2R0d0STF0OWw5ZzNYZkU3dXRyei1SVTlLc0tNbXkwam9xX1hzbWRiT0dzY0ZDMUVFNXpiemhLV1RMRkV1azVqSG5EVUpvTlNLTjBTWFdNZmtGek5GSFlPakNRVTFmck1wcHVmNjBGanRUTFNzY1Z3?oc=5) · The Daily Egyptian
- 2020-06-20 [Bob McIntosh - View Obituary & Service Information - Crain Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE15RWNNMnBTLXJsSHNoZ3I4ZGNPVWd3WlVsaXJBbU9id2lseDJGTlNLNGlJX080cE40aDZ0NUxtZzk2MlJmM0drWWd4VVpWVW1wZVk0cXFkZ3BmR2dfOTFhWm1aa2RtbWRq?oc=5) · Crain Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12098 (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/2.json (key "12098", 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