# BUCKLEY STATE BANK
BUCKLEY, IL · FDIC certificate 12121 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $49.0M | |
| Deposits | $42.7M | |
| Loans and leases | $32.0M | |
| Total equity | $6.3M | |
| Loans / deposits | 73.96% (p51 of band) | 73.59% |
| Liquid assets / assets | 33.25% (p51 of band) | |
| Uninsured deposits / deposits | 8.45% (p9 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.89% (p62 of band) | 11.76% |
| Unrealized securities loss / equity | -2.15% (p69 of band) | -6.57% |
| AOCI / equity | -0.06% (p66 of band) | |
| ROA (annualized) | 0.65% (p23 of band) | 1.17% |
| Net interest margin | 4.84% (p86 of band) | 3.93% |
| Efficiency ratio | 36.20% (p2 of band) | |
| Noncurrent loans | 1.79% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.61% (p98 of band) | |
| Reserve coverage of noncurrent | 79.44% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $977,000 (3.05% of loans; DQ 5.32%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | NIM <2.5% |
| 2014-06 | 2 | deposits shrinking, assets shrinking | capital falling |
| 2014-09 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2014-12 | 1 | assets shrinking | uninsured deposits leaving |
| 2015-03 | 1 | uninsured deposits leaving | assets shrinking |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 2 | deposits shrinking | reserve under noncurrent |
| 2016-03 | 2 | assets shrinking | uninsured deposits leaving |
| 2016-06 | 0 |  | deposits shrinking, assets shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 4 | losing money, charge-offs p90, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2018-06 | 2 |  | assets shrinking |
| 2018-09 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | uninsured deposits leaving |
| 2020-09 | 2 | uninsured deposits leaving |  |
| 2020-12 | 1 |  | uninsured deposits leaving |
| 2021-03 | 3 | expense ratio p90, NIM <2.5% |  |
| 2021-06 | 1 |  | expense ratio p90, NIM <2.5% |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | NIM <2.5% |
| 2023-03 | 1 | capital falling | securities losses >30% of equity |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 5 | capital falling, losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 3 |  | capital falling, losing money |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | reserve under noncurrent |  |
| 2025-03 | 5 | noncurrent p90 |  |
| 2025-06 | 2 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving, noncurrent p90 |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | noncurrent p90 |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 2 |  | noncurrent p90, capital falling |

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

- 2026-06-25 [Parent companies of local banks announce merger - Ford County Chronicle](https://news.google.com/rss/articles/CBMioAFBVV95cUxNcU5wUHZPQ01QdlpwangzV3FzU0JTMmxYT3VsUWRLUHVVUFJ3YTNCcklNbDRFQWo1ZmZLZlN0X0xhRGkyQXh6Si1wdzgzdEdpRVJRT3h5bWRYLWFNYk5HQ19wMXNka081bGFBdkFDLUFZQkJLNHphaWpsMG5mU0g3SXhUMkxQSVVpNEtTaVFlUUxLQTBlVDhKWDdnZFpZZElL?oc=5) · Ford County Chronicle
- 2019-07-31 [Buckley State Bank names new president - The News-Gazette](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPMlhDby1hMUw3SUJKcWJ3NWQzTm1xejBmcE1aaG5RN0JKbGhERWtZX3FLR3FZWlBFbGZpNUNaTlBkSjNqMjItS3AxWTlPYmQzRF9vc3JNVXFtaHVTME5STnJFR0NQSEFlZXpYMlFHSU4xb1V1dzh0cmpaQ3M2VktXZTJaME1RZXl6a0NjOUE3eFFLVUhCcElVaEVvUjloNl9NMFpkM1pwSnhNUVZ5OFU2Q0EyQldTZmNHTXpUV1gtYzBGNmlxMC10bnhScG1LdS1tVDRodFVQZVh0bzBMTmc?oc=5) · The News-Gazette
- 2020-02-25 [Thomas Schuldt Obituary (2020) - Buckley, IL - Baier Family Funeral Services - Buckley - SMH.com.au](https://news.google.com/rss/articles/CBMilwFBVV95cUxNR0NXek1hNDFiRl9mYXdYX2lHS3kxaE5ScWZKTkRYVHByY3lyMDVkOEh6cWVwYnVZSy1hRG10dzdGajVpY0daTWVOeUQtWDZRajlpOGl2c3p5T3NSX3djMm9EY1hxVmxmQTN2d0cyY1RzSXBNa2dubGpSOTNPSkg0bmR1OXl0cUlxaGtqTGNQWVVxaHJlTkI0?oc=5) · SMH.com.au
- 2024-12-03 [Nancy Elliott Obituary (2024) - Buckley, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVk9QVm9JUUM5ZUk2dFctT1VhQUNOSmR1YWxWNXhHWkRCcHJCRTZGSFVCTlI2aFpvNFlmcm1kbE0xREFJV0RtN3ljMnlnbXBFWWR2SWI0aTNMWHhxc0VOSVZxTU42M0p4eEE0SzRvWlpkaV9DYXNkSUNWTWdjMXVLQTRYTjZXdmozQ1gtcC1oelo4d3c?oc=5) · Legacy obituary
- 2007-04-06 [Warren Pacey Obituary (2007) - Champaign/Urbana, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUFV3MjgzMmZ5OUJJSHV1ZE9JYlJhSW5FM2F1WW5uVU80SUNnUnJxdHpiREdidEtFZFMtZGlCRW1tQ1NzbkF4TFVzT1BMdUw4d1dpZGJldXFrZ19wS2hMUXNDTzlYdWZmQ3NzN2M2RnZsZzF6SFBTYzBRR0V6c0xIWkZ6RndSREpvalJBeWpCRXdlUQ?oc=5) · Legacy obituary
- 2014-07-13 [David Dangler Obituary (2014) - Waterloo, IN - KPCNews - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMG82dlZnTmtoM1dCVnpUUjFBVmNxX0xNcTdNQ29QUER6R1RuSzVTd3VtY21CM3R4ZHJ2S3JjUm52ZUgwY2hHTmZFa0Frall4QXVrZnh2cHdmQ05BQTVUVWtIY2VIeTYwckJpS3hobU5ZdnFRWGtIVlFKRkpOUC1TQXhTMmpDQkFHN3UzbA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12121 (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/25.json (key "12121", 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